Job Title: Senior Loan Officer
Reports To: Chief Production Officer | Retail
Department: Retail Sales

About Arcstone Financial
Arcstone Financial is a dynamic mortgage company dedicated to providing exceptional financial solutions. We are committed to the highest standards of service, efficiency, and integrity.

Job Summary
Originates investment quality loans by selling firm's loan products and services to meet the needs of its client base.  Responsible for the overall customer interaction and interface with all parties involved on each individual loan that is originated from application to closing, including but not limited to: counseling and pre-qualifying potential borrowers; taking or reviewing applications received for complete and accurate; obtaining all necessary support documents along with the appropriate fee and lock-in information; overseeing the loan process by monitoring loan status and ensuring conformity with terms; assisting in collecting additional documents and promptly communicating loan status to all interested parties, and obtaining loan documentation after closing, as directed by management.

Key Responsibilities

• Sources, develops and structures mortgage financing requests for new and existing customers.
• Negotiates terms, structures loan financing based on risk considerations and presents credits for approval to appropriate levels of authority as required.
• Utilizes in-house programs to meet customers’ credit needs with alternative broker products a secondary choice. Assists customers with inquiries and information requests and resolves complaints relating to loan products and services offered.

Skills Requirements

• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume.
• Strong interpersonal communication and business-relationship skills.
• Detail oriented with strong organizational and follow-through skills. Excellent analytical, written and verbal communication skills.

• Minimum two years of lending experience. 
• Working knowledge of standard loan products in the industry, various state guidelines and strong familiarity with underwriting standarss. 

Disclaimer: The above statements outline the general nature and level of work assigned to this role. They are not intended to be an exhaustive list of all duties, responsibilities, and qualifications required of employees in this position.