Loan Advisor

🔥 14 hours ago

🌲 Oregon, Washington – Remote

🌲 Oregon – Remote ☕ Washington – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.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 • Build rapport with Risewell Homes sales agents and division personnel • Educate potential borrowers and homebuilder sales representatives on company products and services • Complete 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 • Apply company credit policies, lending programs, and state and federal lending regulations • Negotiate loan rates, terms, and conditions • Lock loans on time and in the correct product type • Submit complete loan applications and coordinate with the assigned processing center • Input loans into Encompass and automated underwriting systems such as DU or LP • Resolve processing, underwriting, and closing issues within the loan pipeline • Maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition • Maintain compliance across loan files and pipeline • Provide professional customer service and support throughout the sales process • Occasional travel may be required; the position does not supervise employees

🎯 Requirements

• Must reside in Washington or Oregon • Active state MLO license in each state where business is conducted, or willingness to obtain additional state licenses in WA, OR, CA, AZ, CO, FL and TX • High school diploma or 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 • 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 • Bi-weekly base salary payments • Occasional travel may be required • Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions