Amerifirst Financial, Mission Valley

Loan Originator

Mission Valley, CA

Our goal is to be the lender of choice for the professional real estate agent and their clients in each market we enter, as measured by all industry service level surveys reported.

We will succeed by meeting the needs of our borrowers through exceptional communication and transparency throughout the loan process and conducting our business with absolute integrity.

AmeriFirst Financial's people will be the source of our competitive advantage. We will distinguish ourselves by creating an environment that fosters teamwork and innovation. We will utilize our team’s abilities to the fullest while at the same time treating each other with dignity and respect.

So why AmeriFirst?

  • You are the priority: We have a second-to-none commitment to helping our Loan Officers grow their business, and providing them the tools to build lifelong partnerships with real estate agents.
  • Enjoy the work you do: Our branches are well located and beautiful facilities!  We're full of energy and our culture breeds a helpful and fun environment
  • Hands-On Leadership: Our Branch and Regional are always willing to help our Loan Officers with business development & sales meeting.  Our #1 commitment is to helping you grow!

The Role

Amerifirst Financial, Inc. is involved in all aspects of retail mortgage lending and works to provide borrowers, local realtors, and others in the mortgage and real estate industry with the most comprehensive selection of loan products and uncomprised service at competitive rates. Loan Originators are members of the AFI sales force and are expected to work primarily in the field generating new loans and making and maintaining contacts with various referral sources.

Essential Duties

  • Spends more than fifty (50) percent of his or her work time away from AFI’s place of business, including any home office, generating and selling loans offered by AFI and soliciting new borrowers and referral sources such as realtors, builders, and financial planners.
  • Maintains relationships with referral sources.
  • Meets with prospective clients in person at locations other than an AFI place of business to sell loans.
  • Makes in-person calls on real estate agents, builders, financial planners and other referral sources.
  • Time spent at a AFI place of business may be spent on taking loan applications; preparing loan files; attending meetings; completing paperwork; preparing marketing and sales materials; and calling, writing to, or communicating by email with borrowers, prospective borrowers and referral sources.
  • Comprehends all functions of a real estate transaction in order to advise borrower regarding the same.
  • Become knowledgeable and adhere to all applicable state and federal laws and/or regulations including, but not limited to, the Real Estate Settlement Procedures Act,
  • Truth-in-Lending Act, Fair Housing Act, and any related state mortgage banking laws, as well as the rules and ethics of the mortgage banking industry and HUD.
  • Comprehends financial markets and stays informed of changes relevant to the mortgage industry, including local housing trends, markets and interest rates.
  • Markets and promotes the various loan products offered by AFI.

Other Duties

  • Handle multiple tasks simultaneously.
  • Participate in proactive team efforts to achieve departmental and company goals.
  • Participate by example through the sharing of knowledge and skill to promote a positive team work environment.
  • Comply with all safety policies, practices and procedures.

Education, Knowledge, Skills, Abilities and Experience

  • A Bachelor’s Degree, preferably in finance, business administration or related field, from a four-year college or university is preferred and one or two years of industry- related experience and/or training are required. A combination of equivalent education and industry-related experience is acceptable.
  • Language skill required is ability to read, analyze, and interpret general business periodicals, professional journals or governmental regulations.
  • Ability to write reports and business correspondence.
  • Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Language skill include the ability to read and interpret instructions, documents and manuals; write routine reports and correspondence; speak effectively before groups of customers, employees or vendors.
  • Required is that of basic personal computing including electronic mail, word processing, spreadsheets, graphics, etc.

Disclosure

 

This job description is not intended to be an all-inclusive representation of all possible duties, responsibilities and/or qualifications. Other duties, responsibilities and/or qualifications may be assigned to this position as the need arises and/or management requires. Understands, accepts and recognizes requirements relating to compliance issues and attends training as is appropriate and relative to their position. Including, but not limited to: the Bank Secrecy Act: Anti-Money Laundering, USA Patriot Act.

Amerifirst Financial, Mission Valley

Chip Larson

Branch Manager
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