Washington First Mortgage Loan Corporation is a mortgage broker focused on finding the right mortgages for our clients and assisting those looking to refinance their properties. In cooperation with over 50 individual lenders, we offer Conforming, Jumbo, FHA, VA, USDA, Reverse, and Non-QM or Non-prime programs to our clients. For over a decade, our highly experienced and NMLS licensed team of loan officers at WFM has been dedicated to serving communities across Washington, Oregon, California, Arizona and Idaho; as a result, WFM has been responsible for finding and providing our clients billions of dollars worth of mortgages. In partnering with WFM, you can expect expert knowledge in:

• Mortgage Applications
• Refinancing
• Loan Estimation
• Loan Closing and More

The Mortgage Loan Officer will initiate the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.

Supervisory Responsibilities:

None.

Duties/Responsibilities:

• Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
• Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
• Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
• Reviews loan applications, gathers credit histories and reports, and assesses applicants' capacity to repay and default risk.
• Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
• Views or visits property for real estate purchase or refinance.
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
• Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
• Performs other duties as assigned.

Required Skills/Abilities:

• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans.
• Proficient with Microsoft Office Suite or related software.