Mortgage Loan Originator - Consumer Direct

Position Overview

Cardinal Financial is a nationwide direct mortgage lender committed to innovation and providing the very best experience for its borrowers, partners, and employees. As a Loan Originator, you will educate customers on company values, various loan options, and operational processes while ensuring strict adherence to regulatory guidelines.

Key Responsibilities

• Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial data.
• Explain various types of loans and credit options, along with their associated terms, to customers.
• Review loan agreements for completeness and accuracy in accordance with company policy and regulatory requirements.
• Maintain customer confidence by ensuring all loan information remains confidential.
• Keep licenses current by participating in required continuing education courses.
• Collaborate with sales, processing, underwriting, closing, post-closing, and management teams to provide outstanding customer service.

Required Qualifications

• High school diploma or GED (preferred).
• Minimum of one (1) year of experience working as a Loan Originator.
• Must possess, or have the ability to obtain, a Mortgage Loan Originator (MLO) license as required by the SAFE Act (with potential multi-state licensing).
• Solid foundation of mortgage industry experience.
• Demonstrated ability to handle multi-faceted direction and planning in a fast-paced environment.
• Highly developed computer and technology skills.
• Exceptional customer service skills with excellent verbal and written communication.
• Strong analytical, organizational, and detail-oriented capabilities.
• Ability to take direction, comprehend training, and work effectively within a team structure.
• Proven track record of exceptional sales performance and self-motivation.

Benefits & Perks

• Strength, Stability, and Vision
• Great compensation package
• Opportunity for career growth
• A commitment to be a relevant market leader, with ambitions to reach the top
• Octane – our engineered proprietary technology transforming the mortgage industry
• An empowered culture where your ideas are valued and your voice matters
• Full Benefits starting the first day of the month following your start date, including Medical, Dental, Vision, Life, Disability Insurance, and more
• Generous paid time off package, including all major holidays
• 401K w/ 50% match beginning the 1st of the month following 30 days of employment