Loan Specialist (NMLS Required)

Full Time
Loan Sales
Mid Level

What Sets Us Apart:

At UMortgage, we have a customer-centric, service-based approach. We primarily focus on home purchases, providing an emphasis on consumer education, real estate agent relationships, and personalized experience for home buyers. Our goal is to empower our team members to always provide a best-in-class experience while prioritizing long-lasting relationships. 

What we Need:

UMortgage is on the hunt for outgoing, professional, and highly organized Loan Specialists to add to our Loan Sales team! The Loan Specialist role is a full-time, high-touch, pipeline and file management role. While the Loan Officer role is defined by outbound sales activity and referral partner engagement, the Loan Specialist is designed for the process-focused, high-capacity loan technician. By relying on the LO counterpart to handle prospecting and relationship building, the Loan Specialist (LS) can originate dozens of loans per month from the “inside.” 

Important distinction: Loan Specialists are not glorified LOAs. While some of the file-level responsibilities may resemble those of an LOA, the LS position overall carries more weight, responsibility, and ownership than that of an LOA. LSs are expected to be the keepers of the loan castle, the mortgage advisor/expert and the sales leaders of the division, not just closing deals but winning them. 

Apply Today!

What You'll Do:

  • Thorough deal/file management and stewardship:
    • Client follow-up to request docs (cadence pre-determined by CRM)
    • Timely doc reviews and re-requests.
    • Fully pre-approve clients.
    • Schedule & conduct in-depth pre-approval calls, utilizing Mortgage Coach presentations.
    • Weekly follow-up with pre-approved clients to check in on home shopping.
    • Maintain fluid client, referral partner, and LO communication, providing real time deal status updates whenever possible.
    • Submit TBD underwrites and coordinate with lenders to work through tough scenarios.
  • Loan Coordination:
    • Loan Registration: Register and send appropriate disclosures as they pertain to the loan program.
    • Third Party Orders: complete all necessary orders through appropriate platforms as designated by organization ( Appraisal, Title, HOI)
    • Submission: Submit loan applications to processing Pod Leaders and track the progress of loan approvals.
    • Ensure timely submission of required documentation and follow up on any outstanding items.
    • Compliance: Stay up-to-date with lending regulations and guidelines to ensure all loan files are in compliance. Take ownership of fee disclosures and tolerance requirements.
    • Communication: Maintain clear and effective communication between clients, loan officers, processors, and other relevant parties to facilitate the loan process.
    • Pipeline Management: Track and manage the loan pipeline to ensure loans are progressing smoothly and meeting expected closing dates.
  • Maintain clear, efficient, and helpful communication with Outside Loan Officers, borrowers, referral partners, and operations team members at all times.
  • Instantaneous response times. All the time, every time.
  • Immaculate CRM maintenance and usage:
    • Task management
    • Loan note visibility
    • Manage lost & stalled deals
  • Provide the Loan Officer with a full pipeline update every day.
  • Attend daily all department meetings and LS team meetings as scheduled.
  • Maintain detailed and up-to-date knowledge on lenders, products, guidelines, and processes.
  • Additional responsibilities related to business needs.

What you Need:

  • Active NMLS license
    • Prefer applicants to be licensed in Utah, Florida, Texas, Pennsylvania, Ohio or North Carolina 
  • Must have weekend and after-hours availability
  • The ideal candidate:
    • Hundreds of reps as the LO of record on files over the last 2-3 years.
    • Analytically minded as well as possessing excellent “bedside” manner.
    • Processors, underwriters, and highly experienced LOAs who are looking to transition into sales will also make good candidates assuming they also have hundreds (or thousands) of recent reps.

Physical Requirements:

The physical requirements described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

  • Must be able to stand, sit, and walk for extended periods of time 
  • Includes frequently reaching with hands and arms, and using hands to handle and feel 

  • Requires close vision, distance vision, peripheral vision, color vision, depth perception, and ability to adjust focus 

  • Must be able to perform activities with repetitive motions 

  • Must be able to work in an environment with variable noise levels 


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