Consumer Direct Mortgage Loan Officer
Valon Technologies
Phoenix, AZ, USA
Posted on Wednesday, November 23, 2022
About the Company
Valon’s mission is to empower every homeowner. We believe the journey of home ownership starts when you get your keys, but lasts far beyond. We’re creating a world where home ownership comes with ease, security, and financial know-how. Our growing team of engineers, operators, product enthusiasts, and experienced servicing professionals are leveraging technology to fundamentally improve the homeownership experience. Through mortgage servicing—the process of paying off one’s mortgage—Valon is taking the first step in transforming the industry one homeowner, and lender, at a time.
Lending at Valon
Valon is scaling up its mortgage lending business, which aims to provide Valon homeowners the ability to access low-cost, streamlined mortgage loans and give Valon partners tools they need to retain customers. As a member of the Lending Department, you will make it faster, easier, and cheaper for homeowners to get loans by reinventing the homeowner’s journey. We are looking for experienced and innovative individuals who are eager to transform the mortgage industry for the better by building our team and business.
About this Role
The Consumer Direct Mortgage Loan Officer will provide loan solutions for existing and prospective customers of Valon Mortgage. This individual will report to the Originations Manager and be responsible for providing best-in-class customer service to support Valon’s strategic goals. The primary objective of this role will be to recapture future purchase and refinance loans for customers with mortgages within Valon’s servicing portfolio, strengthening both customer and investor relationships.
Responsibilities
- Recommend loan solutions to Valon’s existing portfolio of servicing and prospective customers sourced through strategic initiatives
- Refer products and develop solutions tailored to customers’ specific goals
- Be the primary point of contact throughout the lending journey with Valon
- Collect and analyze customer financial documentation as required by investor guidelines
- Analyze required documentation and disclosures for accuracy and compliance
- Manage customer pipeline to maintain efficiency, meeting required pull-through ratios and production targets
- Collaborate effectively with cross-team members to move milestones forward efficiently
- Escalate customer concerns to management to ensure the customer is presented with timely solutions
Ideal Background
- Bachelor’s degree or equivalent work experience
- Comprehensive knowledge of federal regulations, including RESPA, TILA, ECOA, TRID, and CFPB
- Thorough understanding of the underwriting process as well as agency and investor requirements
- Experience with industry technology (e.g. DU, LP, Encompass, CRM)
- Strong communicator with excellent writing abilities
- High integrity with strong ethical values
- Team player with ability to work effectively with cross-team members
- Eager to join a highly dynamic team and play a role in a high-growth, transformative project
Minimum Qualifications
- 3+ years of mortgage origination experience
- 2+ years of consumer direct mortgage experience
- NMLS eligibility throughout employment
- Active state licenses per NMLS
Benefits
- Compensation: competitive salary and the option to partake in our performance bonus program and 401k plan
- Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, a One Medical membership, and a Talkspace subscription to provide mental health support
- Food & meals: in-office snacks and drinks, Bagel Fridays, and regular food trucks on premise
- Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
- Grow together: Company-wide orientation for you to successfully onboard alongside other learning and development opportunities, including regular review cycles that feature 360 degree feedback
- Play together: quarterly budgets for team and company outings. Use it for team swag, cooking classes or team dinners!
- Generous time off: 17 days paid time off, sick days, and 11 company holidays
Throughout the interview process, please remember that emails will only be from valon.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.
Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.
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