Retail Loan Officer

What You’ll Do:

The Retail Loan Officer is responsible for continually identifying, developing, and maintaining a quality network of business relationships. This role will ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, and complying with all Federal and State compliance policies and requirements.

Your key responsibilities include:
• Analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather additional information.
• Collect and evaluate each applicant’s financial information and assess the applicant’s financial circumstances to determine whether the applicant and the property qualify for a particular loan. Assist the applicant in identifying a mortgage loan appropriate for their circumstances.
• Determine if the applicant has a reasonable ability to repay and that the mortgage loan helps borrowers achieve their financial goals, including homeownership.
• Advise the potential borrower about the risks and benefits of the loan alternatives, including the options and variables involved.
• Demonstrate the highest professionalism and customer service.
• Perform other duties as needed or assigned.

What You Have:
• Proven sales skills.
• Exceptional communication skills.
• Ability to negotiate and speak confidently regarding loan products, rates, and conditions.
• Ability to handle confidential information.
• Strong attention to detail.
• Proficient in Microsoft Applications, loan origination systems, and automated underwriting systems, Encompass a plus.

Your Education and Experience:
• A bachelor’s degree is preferred, or an equivalent combination of education and experience is required.
• 3-5 years of origination experience.
• Active MLO license in the State of residency required AZ, CA, CO, FL, GA, NC, NV, UT, SC, TX, WA (*AL, IN, KY, LA, MI, OH, TN* also preferred but not currently required)

About Inspire Home Loans

As an affiliate of Century Communities—one of the nation's largest homebuilders and industry leader in online sales—we strive to make the dream of homeownership possible. We’re proud to be part of the company’s mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits to build successful and rewarding careers. We’re committed to fostering an environment of diversity, inclusivity, and respect, and building a culture dedicated to ethical business behavior and responsible corporate activity.

>Compensation: Century Communities (the "Company") intends to offer the selected candidate an hourly rate in the range of $11.54 unless minimum wage is higher: (AZ $14.35, CA $16.00, CO $14.42, FL $13.00, WA $16.28/hourly) with the potential for other financial incentives. Actual offers will be based on a variety of factors, including experience. Employees will have access to paid time off, medical, dental, vision, basic life insurance, and the Company's 401(k) plan.

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