HL Loan Officer, Jr

Position Overview

Umpqua is seeking an experienced residential Mortgage Loan Originator to join its inside sales team. In this role, you will originate mortgage loans through inbound and outbound calls and internal bank referrals while providing exceptional customer service and upholding compliance standards. You will also help promote Umpqua Bank’s financial products in the community.

Key Responsibilities

• Originates residential mortgage loans from inbound customer calls, outbound prospect calls, and internal bank referral relationships.
• Handles bank-generated residential mortgage leads in an inside sales setting and may develop external referral resources.
• Develops and executes consistent customer follow-up routines to steadily increase lead conversion.
• Conducts interviews with prospective borrowers, analyzes financial and credit data, advises on product/pricing policies, and gathers all required information for a seamless loan disclosure and processing.
• Ensures exceptional customer service by maintaining in-depth knowledge of lending programs, policies, procedures, and regulatory requirements.
• Obtains and verifies all required documentation (e.g., appraisals, title reports, credit pulls) while managing the loan file through underwriting, closing, funding, and post-closing.
• Communicates the advantages of Umpqua Bank’s financial products to customers and associates.
• Completes required annual and job-specific training, staying current on compliance and regulatory changes.
• May coach, mentor, or train others as a subject matter expert.

Required Qualifications

• High school diploma or GED.
• Bachelor's Degree in business, finance, or equivalent work experience required.
• Must be registered as an MLO as per the S.A.F.E. Act requirements.
• Excellent analytical, written, and verbal communication skills.
• Proficiency with personal computers and software packages such as Word and Excel.
• Strong ability to organize, prioritize, and manage multiple tasks while meeting strict deadlines.

Preferred Qualifications

• Prior knowledge or work experience in the home lending industry, including loan processing, underwriting, closing, and funding.
• Previous sales experience with a bank, mortgage division, or financial institution, demonstrating potential to transfer skills to mortgage origination.
• Experience in analyzing borrower income and negotiating loan terms.

Benefits & Perks

• Base wage range of $18.00 to $26.00 with performance-based incentive compensation details provided during recruitment.
• Comprehensive Healthcare Coverage including medical, dental, and vision plans.
• 401(k) Retirement Savings Plan with employer match.
• Life and Disability Insurance along with tuition assistance, mental health resources, and identity theft protection.
• Access to an online discount marketplace and paid vacation, sick days, volunteer days, and holidays.