Now Hiring - Gold Star Mortgage - Loan Originator - Outside Sales in Carlsbad, CA

MORTGAGE LOAN ORIGINATOR – OUTSIDE SALES

Position Title: Loan Originator (Outside Sales)
Title Grade: (I) Junior or (II) Senior
Reports to: Sales Manager or Branch Manager
Department: Sales
Status: Regular, Full-Time or Part Time
FLSA Status: Exempt
Pay Grade: Commission and/or Recoverable Draw Against Commission (DOE)

SUMMARY & PURPOSE OF POSITION

Mortgage Loan Originators (MLOs) serve as the foundation of Gold Star’s business. The MLO will act as
the face of Gold Star and our representative in the community. We seek banking professionals that have a passion to help others achieve security with safe and smart financial products, and demonstrate it through motivation, self-discipline, and customer service. Those who are willing to challenge themselves to develop alongside a dynamic, employee-first organization will find success at Gold Star. Excellence in this position will be achieved by providing personable, friendly service in the field.

PRIMARY POSITION-SPECIFIC RESPONSIBILITIES

 Source business via in-person meetings with realtors, financial planners, and other partners;
 Develop clientele base via lunch-and-learns, seminars, presentations, and open houses;
 Give group presentations to introduce new products and services;
 Visit clients at closing to ensure a smooth and compliant transaction;
 Determine the financial products that best meet the customer’s needs and financial circumstances,
and provide advice on the advantages and disadvantages of different financial products;
 Negotiate loan rates and terms on behalf of the consumer, and apply the borrower’s unique credit
profile to loan scenarios in order to provide financial options to the consumer;
 Consult with prospective borrowers to determine their financial objectives and goals,
review/analyze credit and financial data, and pre-qualify applicants;
 Maintain an in-depth knowledge of highly technical and evolving underwriting/lending guidelines,
investor regulations, and utilize specialized knowledge of loan products to interpret these guidelines
to assist the borrower in his/her understanding;
 Present options and alternatives for various financial products that we offer, explain rates and terms
in an easy to understand manner, and answer questions regarding the financing process;
 Monitor the loan’s process and work closely with processors, underwriters, and staff;
 Attend and complete all required training, maintain knowledge of all lending policies, procedures,
guidelines, and regulations, and complete all licensing prerequisites and requirements;
 Provide unsurpassed customer service;
 Complete other duties as assigned.

PREFERRED EDUCATION/EXPERIENCE

 High school or equivalent required;
 An Associate’s degree from an accredited college preferred;
 At least three (3) years of experience in mortgage lending with demonstrated success in
developing relationships by in-person B2B sale required;
 Verifiable track record of recent successful purchase and referral based sales volume;
 Must have exceptional attention to detail and strong organizational skills;
 Outstanding work ethic and time management skills;
 Perform exceptionally well under pressure;
 Possess strong oral and written communication skills;
 Prior experience with Encompass, a plus.

Commission Based Upon A Selected Tier Ranging From (0-250bps)

PHYSICAL DEMANDS/ENVIRONMENT

This position is customarily engaged in field work, and as such frequent travel will be common, though
generally limited to a 50 mile radius from the employee’s base of operations. Rare lifting of up to 25lbs
may be required.