The Junior Mortgage Loan Originator works closely with the Welcome Home Loan Team to increase the production of mortgage loans for manufactured homes and other single-family housing loan products. This is a critical role in Single Family Housing for an energetic and talented individual. Bi-lingual fluency is a plus.
 

Reports to: VP of Residential Lending and Compliance

Program FLSA status: Exempt 

Essential Functions:

• Work with the Loan Originators to attract new loan applications by developing relationships and outreach with manufactured home buyers, realtors, retailers, other lenders, and resident-owned community leaders.
• Respond to loan applicants and inquiries regarding loan products promptly and efficiently, in accordance with New Hampshire Community Loan Fund’s policies and procedures.
• Supports the Originators to collect financial information in order to prepare the loan file and assist the applicants with loan applications.
• Evaluate loan requests, including collecting required documents, verifying applicant information, ordering and analyzing credit reports to establish creditworthiness, and calculating repayment ability.
• Maintain accurate and complete borrower application files. 
• Attend community events to promote the NH Community Loan Fund. 
• Participate in research and development of new loan products and process improvements serving single family housing needs in accordance with the company’s strategic goals. 
• Understand and implement state and federal regulations for mortgage lending. 
• Collaborate with the Welcome Home Loan Team and realtors on behalf of the applicant as needed to deliver high quality and prompt customer service to applicants, borrowers and community partners. 
• Possess the intention to complete a training program to obtain their NMLS license within 6 months. 
• Adhere to policies, procedures, and regulatory guidelines including fair lending and ethical behavior.
• Perform other duties as required to advance Community Loan Fund strategies and goals. 

Education and Experience

• Bachelor’s Degree in Business, Finance, Liberal Arts or related field, or equivalent, relevant experience.
• Two years’ experience in residential or consumer mortgage lending, or equivalent, relevant experience.
• Demonstrated familiarity with loan amortization and loan origination software such as Byte Software. 
• Proven experience with Microsoft Office 2016 programs (Word, Excel, etc.), laptop computer, and navigating software remotely. 

Qualifications and Characteristics

• Strong organizational skills, attention to detail, ability to timely manage multiple priorities in a fast-paced environment to meet deadlines
• Excellent critical thinking and problem-solving skills
• Self-motivated individual contributor as well as flexible team player
• Excellent communication skills including superb listening skills; ability to work collaboratively with diverse groups and across organizational programs
• Ability to maintain confidentiality
• Ability to work remotely, but reside within commutable distance to Concord, NH for periodic office visits

Physical Demands

The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit, talk, and hear. The employee is regularly required to stand, walk, use hand to finger, handle, and reach with hands and arms above shoulder height, stoop, kneel, and crouch. Specific vision abilities required in this job include the ability to adjust focus between near and far.

• Ability to answer telephones and use standard office equipment (copier, fax, etc.).
• Ability to read, write, and understand and speak English clearly.
• Ability to use a computer for Community Loan Fund business.
• Ability to drive for Community Loan Fund business periodically.
• Ability to lift at least five pounds.

Work Environment

We are a team of creative thinkers and problem solvers. We love creating new opportunities and solutions for our neighbors to succeed. The work environment characteristics described here are representative of those employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee will be in an environment with a noise level that is usually moderate.

About New Hampshire Community Loan Fund

We believe in a Neighbors-Investing-in-Neighbors philosophy. Since 1983, we have provided systematically excluded people and communities with loans, coaching, and guidance that enables them to become economically secure.

From helping people purchase manufactured homes, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities. We focus on five areas of community development finance:

• Affordable Homes
• Resident-Owned Communities
• Small Businesses & Nonprofits
• Small Towns & Municipalities

Our neighbors-investing-in-neighbors model is aimed at building stronger, resilient, and more self-reliant communities, improving the lives of people throughout New Hampshire, and serving as a model across the US. We specialize in seven service areas:

• Manufactured-Home Loans 
• Manufactured-home Owners: Buy Your Park
• Resident-Owned Community Support
• Small Business  and Nonprofit Loans
• Small Town and Municipal Grant Writing
• Affordable Housing Development Loans
• Energy Efficiency Solutions

If the description above is a good fit for your skills, abilities, and interests, we would love to hear from you! Please email us a resume with a cover letter. 

No phone calls, please.