Bilingual Mortgage Loan Officer

*WHO We Are:* Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers in building wealth.
At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity.
In other words, we’re committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high quality schools to grocery stores selling fresh foods resources that support opportunity at a neighborhood level regardless of demographics, income or wealth.
Since our founding, we’ve constantly sought to find new ways to pursue greater economic justice: from providing fair and affordable loans, to working with partners to demand that lawmakers change unjust policies.
_*We are looking for a Bilingual Mortgage Loan Officer for our Charlotte, NC team!*_ *WHAT you’ll do:* * Develop mortgage loan business through continual identification, development, and maintenance of a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
This network may consist of Real Estate professionals, builders, professional contacts, and other valuable referral sources.
* Meet with loan applicants to discuss viable mortgage options, counsel on credit and budget, develop roadmap and process for mortgage approval, and assist with the loan application process.
Achieve productivity goals as set forth by manager.
* Prequalify loan applicants by examining all borrower information and documentation, assessing creditworthiness, adequacy of income, credit, and collateral, and calculating repayment risk.
Determines the maximum purchase price/loan amount based on borrower data.
Approve or deny real-estate loan applications that do not meet pre-qualification standards and explain reasons for denial.
* Gather and review necessary data to complete the loan review process including credit bureau reports; verify debts and estimate monthly payments for any outstanding debts not listed on application and ensure they are added to application.
* Prepare mortgage loan applications and documentation for underwriting and closing.
Ensure that each real-estate loan is processed accurately, troubleshoot any issues that may arise during the processing period, and maintain communication with borrower throughout processing period, as needed.
* May oversee responsibilities of Mortgage Loan Assistant.
*WHAT you’ll need:* * High School diploma or equivalent, Bachelor’s degree preferred, or equivalent related experience.
* 2 years of relevant experience in mortgage, consumer lending, banking, or other relevant positions preferred.
* *English and Spanish required*.
* Ability to represent Self-Help in networking functions and to develop and maintain key realtor and other relations that generate attractive loan/borrower referrals.
* Strong analytical and quantitative skills and ability to independently handle loan applications and assess borrower's ability to successfully repay loans.
* Ability to secure and maintain NMLS certification.
If you are interested in who we are and what we do; have a strong desire to work in an organization that places a high priority on teamwork and collaboration; and are interested in working to help create economic opportunity for all –THIS is the place for you! Click the “apply now” button to apply! *Compensation:* Competitive nonprofit compensation, based on experience, plus a generous benefits package.
Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.
Job Type: Full-time Benefits: * 401(k) * Dental insurance * Health insurance * Tuition reimbursement * Vision insurance Schedule: * 8 hour shift * Day shift * Monday to Friday Work setting: * In-person * Office Experience: * Mortgage: 2 years (Required) * Lending: 2 years (Required) Language: * English and Spanish (Required) Ability to Relocate: * Charlotte, NC 28207: Relocate before starting work (Required) Work Location: In person