Loan Advisor

🕒 October 14

🌲 Oregon, Washington – Remote

🌲 Oregon – Remote ☕ Washington – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 10%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Universal Lending

WebsiteLinkedInAll Job Openings

11 - 50 employees

💸 Finance

🏠 Real Estate

Finance • Real Estate

Universal Lending Corporation is a nearly 40-year-old mortgage lender focused on personalized, consumer-facing home loan services. ULC provides mortgage origination, pre-qualification, digital application and document tools, borrower resources (first-time homebuyer guidance, loan type education, budgeting), and a ‘Pathway to a New Home’ program for Risewell Homes customers. As an affiliated lender to Risewell Homes, ULC offers integrated financing for homebuyers across Risewell communities and is licensed in multiple U. S. states (NMLS ID 2996).

📋 Description

• Guide homebuyers through the mortgage process while promoting Universal Lending Corporation's loan products • Serve as a lending partner to buyers of Risewell Homes • Build rapport with sales agents at Risewell communities and division personnel • Educate potential borrowers and homebuilder sales representatives on company products and services • Complete thorough loan applications and obtain required applicant information • Communicate with applicants by telephone, email, or in person to resolve application questions • Perform prequalification assessments and analyze financial condition and financing risk • Negotiate loan rates, terms, and conditions • Lock loans on time and in the correct product type • Submit complete loan applications and coordinate processing with the assigned processing center • Input loans into Encompass and an appropriate Automated Underwriting System such as DU or LP • Assist with and resolve processing, underwriting, and closing issues • Maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition • Maintain compliance on loan files and pipeline • Apply decision-making techniques to applicant inquiries, approvals, and requests • Maintain professionalism, integrity, teamwork, and self-improvement • No supervisory responsibility; occasional travel may be required

🎯 Requirements

• Must reside in the state of Washington or Oregon • Must have an active state MLO license in each state where business is to be conducted or be willing to obtain additional state licenses in WA, OR, CA, AZ, CO, FL and TX • Highschool diploma or general education degree (GED) required • 4-year college degree preferred • Minimum 5 years lending origination experience, preferably with builders • Working knowledge of Encompass or other LOS systems • Proficient in Excel, Word, Outlook, and PowerPoint • Ability to plan for contingencies, anticipate problems, and identify risks • Ability to negotiate to produce positive outcomes • Ability to effectively listen and respond to customers' needs • Superior customer service skills • Professional written and verbal communication skills • Ability to maintain and foster strong partnerships with builders and customers • Ability to ensure customer satisfaction throughout the sales process • Ability to identify customer needs and adapt sales presentations effectively • Must be eligible for licensure under the federal SAFE Act § 1008.105 • Must be authorized to work in the United States • Valid driver's license and active vehicle insurance required at all times

🏖️ Benefits

• Eligibility for monthly and quarterly bonuses • Base salary paid bi-weekly • Occasional travel may be required • Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions

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