Mortgage Loan Officer - Waynesboro Area

Our team is redefining the industry - and creating a culture of excellence.

Founded in 2011, Atlantic Cost Mortgage embodies a people-first culture built on commitment, character, and innovation. Growing from 16 employees to over 200, our team is the most essential factor in our mission to redefine the mortgage industry. We believe people do their best work in an environment designed for success. This is why we're so proud to have been recognized by the Washington Post as a 2018, 2019, 2020, 2021, 2022 Top Workplace Award Winner. As we continue to grow, we're looking for more than employees; we're looking for driven, energetic, and creative problem-solvers. If that's you and you're looking to build your career with an organization driven by a vision to disrupt and change our industry for the better - we'd love to talk.

Atlantic Coast Mortgage is seeking a qualified Loan Officer to foster loan origination sales in the Waynesboro and Charlottesville areas. The Loan Officer will find prospective clients, guide them through the loan application process, and gather information to ensure that an informed loan decision is made.

This position requires registration with the National Mortgage Licensing System and Registry (NMLS), as created under the federal S.A.F.E. Act.

Ideal candidate will be licensed in Virginia

Responsibilities

• Establish, develop and maintain client referral relationships with Realtors, builders, Developers, CPA's, financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.
• Meet with prospective borrowers, review and analyze credit and financial data and determine the borrower's financial objectives and goals.
• Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing.
• Provide friendly, accurate, professional service to borrowers and internal business partners by responding promptly to messages and correspondence.
• Keep informed of trends, changes and developments in the local real estate market.
• To keep up-to-date with changing rules, regulations and guidelines from FNMA, FHLMC, FHA and VA in addition to other investors and agencies.
• To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines.
• Negotiate price, terms, and conditions with mortgages.
• Maintain a professional image and standards consistent with company policies and procedures.
• Follow through on all professional conditions and education requirements for licensure.
• Adhere to organizational procedures for loan processing.

Qualifications

• At least two years loan origination experience preferred.
• Bachelor's degree preferred.
• Thorough understanding of the local real estate market and the mortgage industry.
• Thorough knowledge of mortgage lending requirements, regulations and procedures for FHA, VA and conventional loan programs.
• Ability to comprehend, analyze and explain multiple, complex loan programs, financing options and basic mathematic principles.
• Ability to work independently, exercise good judgment, demonstrate initiative, meet deadlines, and maintain poise under challenging circumstances.
• Ability to build long term networking relationships fostering real estate lending business.
• Excellent interpersonal and communication skills, including presentation and facilitation skills.
• Strong multi-tasking, self-management, and self-motivating skills.