Enterprise Lending Officer Newport Beach

Job Description:

Responsibilities:

• Provides exceptional client care by providing advice-oriented solutions with Consumer Lending and Core Banking products.
• Identifies opportunities through conversations with clients to recommend the banks products through partner referrals as part of one team that delivers exceptional client care.
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs.
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
• Engages in community development outside sales activities and external networking to responsibly grow client and market share.
• Understands lending processes and credit guidelines to best develop solutions for each clients needs.
• Manages daily client and loan pipelines with astute organization follow up and high degree of collaboration with loan fulfillment partners.
• Leverages digital solutions providing clients with a choice in preferred service pathways.
• Maintains and adheres to all federal and state regulations and bank operational requirements delivering compliant client advice conversations and fulfilling financial goals.

Skills:

• Business Development
• Client Management
• Customer and Client Focus
• Prospecting
• Risk Management
• Account Management
• Client Solutions Advisory
• Credit and Risk Assessment
• Pipeline Management
• Referral Identification
• Attention to Detail
• Credit Documentation Requirements
• Issue Management
• Networking
• Relationship Building

Required Skills and Experience

Has 3 years of experience in a loan origination role with a focus on generating self-sourced purchase business through a verifiable established network of referral sources
Demonstrated understanding of effectively managing a pipeline in order to deliver an exceptional client experience
Has a strong knowledge of loan products Conventional Jumbo and Government.
Demonstrated ability to understand analyze and document income assets and liabilities properly in order to qualify clients for specific loan products
Demonstrated understanding of processing underwriting and/or closing procedures
Has a working knowledge of federal regulations governing real estate lending
Ability to source clients independently and not rely on enterprise referrals with demonstrated success in generating business from external Centers of Influence real estate professionals builders and other external referral partners in a compliant manner as well as within bank policy.
An ability to work independently
Is a strong communicator both written and verbal
Is self-motivated and highly organized
Can prioritize multiple competing tasks
Uses appropriate interpersonal styles communication methods and approaches to gain clients and keep them informed during the loan process
Demonstrated understanding of the connection of the level of service provided being directly correlated to driving sales volume
Can be flexible to work weekends and or extended hours as needed to serve clients

Desired Skills and Experience

Familiarity with FHA and HUD guidelines
Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate credit and loan status information
Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously
The ability to analyze and comprehend complex financial data and provide financial alternatives
Professional and effective interpersonal skills
An ability to take ownership accountability and can demonstrate integrity
Adaptability and can demonstrate flexibility
A positive attitude
Effective communication styles

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position Credit Solutions Advisor II: FDIC Safe Act/Loan Originators

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

Shift:

Hours Per Week:

Pay Transparency details