Senior Refinance Mortgage Consultant

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222791-04 Senior Refinance Mortgage Consultant Various Locations Full-time $55k a year A financing company is seeking a Senior Refinancing Mortgage Consultant to manage a high volume of loan originations. This role is supported by company-provided leads, allowing consultants to focus on production rather than prospecting. They are looking for a high-volume producer capable of closing a minimum of 10 loans per month, with top earners reaching 60-70, to join their team. This 100% remote position requires the employee to reside in Hawaii due to operational requirements. The successful candidate will possess a sophisticated understanding of the refinance market and the ability to manage a dense pipeline with precision. This position offers a competitive base salary of $55,000 paired with a bonus potential up to $350,000 annually for top-tier producers. Hours Full-time, Shifts between 4am-1pm, 5am-2pm, or 6am-3pm and one Saturday per month Location Honolulu, Oahu Kahului, Maui Kapolei, Oahu Hilo, Big Island Kailua-Kona, Big Island Kihei, Maui Ewa Beach, Oahu Pay $55,000 a year Responsibilities Interview potential and current clients to understand their lending needs, including first-time mortgages or refinance of existing loans. Explain the differences between and their approval requirements of various types of mortgages; prepare and present a lending package based on client specifications. Assist clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness. Review loan applications, gather credit histories and reports, and assess applicants' capacity to repay and default risk. Assess and grant or reject mortgage applications based on predetermined requirements. View property for real estate purchase or refinance. Maintain 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. Demonstrate the ability to use independent judgment and critical thinking skills in matters of significant impact. Work with the processing staff and borrower to ensure the loans are completed in a timely manner. Report daily to management on current production and goals. Perform other duties as assigned. Qualifications 5 - 6+ years of recent loan origination experience preferred. Proven track record in high-volume environments (10-70 closings per month). Strong focus on Refinancing is preferred; Purchase-heavy experience is also welcome. Candidates from "self-gen" environments with lower volume will be considered if they possess 6+ years of experience. Required State Mortgage Licensing (Mortgage Loan Originator License) in Hawaii and/or Colorado preferred, but the company is open to any active state license and assist with additional state licensing if necessary. Minimum High School diploma. Thorough understanding of FHA, VA, Fannie Mae, construction, and conventional loans. Ability to analyze complex financial data and provide sound advice. Proficient in Microsoft Office Suite and standard lending software. Strong interpersonal, organizational, and customer service skills. Why Work With ALTRES We take the stress out of the job search process by connecting you with some of the most sought-after full-time, part-time, and project-based positions across Hawaiʻi. The best part? Our services are always 100% FREE for job seekers. Qualified employees may also be eligible for our benefits program, including: Free medical insurance Holiday pay and vacation bonus A 401(k) plan with 6% match Employee discounts on a variety of services and entertainment And more outstanding perks Eligibility for benefits varies by position, assignment type, and length of employment.