Loan Officer

BREAK GROUND ON A REWARDING CAREER WITH US!

The Sekisui House U.S. team is a proud builder of the SHAWOOD, Richmond American Homes, Woodside Homes, Holt Homes, Hubble Homes, and Chesmar Homes brands. We take great pride in being a member of Sekisui House, a global leader in homebuilding. This impressive, 60+ year old company has built over 2.6 million new homes designed to reflect and adapt to the changing needs of today's homebuyers. Drawing on Sekisui House's unparalleled history and superior service, we commit ourselves to a future where people around the world can live joyful lives in homes that are safe, secure, stylish and comfortable.

We encourage a company culture that promotes professionalism, teamwork, health & wellness and work-life balance. If you are a results-driven professional with a passion for success, consider building a career with us.

Positive Work Environment & Culture

Collaborative Team Culture: Join a supportive environment where teamwork and the open exchange of ideas are highly valued.
• Team Engagement: Participate in a variety of team-building events and social gatherings, such as company outings, holiday celebrations, and regular office socials. We support a healthy work-life balance and recognize the importance of time outside of work commitments.

Overview & Position Summary

This position guides borrowers through the lending process by evaluating loan needs, reviewing financial information, and recommending appropriate loan solutions. This role works independently under limited supervision and applies broad lending knowledge to assess complex scenarios, interpret guidelines, and resolve issues that arise during the application lifecycle. This position collaborates with cross-functional partners to ensure accuracy, consistency, and regulatory alignment. This role also provides support, coaching, and guidance to team members as needed to enhance overall lending performance.

Primary Responsibilities

• Evaluate borrower financial information to determine eligibility and appropriate loan products in alignment with organizational guidelines.
• Guide borrowers through the loan application process, providing clear communication, education, and support.
• Analyze complex financial data, credit reports, income documentation, and assets to identify risks or approval conditions.
• Recommend solutions for borrowers with varied or challenging circumstances by applying broad lending expertise.
• Update loan origination systems with accurate borrower information, notes, and documentation.
• Collaborate with processors, underwriters, and closing staff to resolve issues, expedite files, and maintain loan pipeline progress.
• Interpret policies, lending regulations, and product requirements to ensure compliant loan recommendations.
• Resolve difficult borrower or file issues by applying prior experience and analytical judgment.
• Provide guidance, coaching, and support to team members or less experienced lending staff.
• Contribute to continuous improvement by identifying workflow gaps or recommending process enhancements.

Education & Experience

Required:

• Minimum of 5 years of relevant experience in consumer lending, loan origination, or lending sales, or equivalent experience
• Bachelor's degree in business, finance, sales, or a related discipline, or equivalent education
• Experience originating and managing complex consumer loan transactions
• Be licensed for loans in California

Preferred:

• Experience in consumer lending sales or multi-product lending environments.
• Familiarity with loan origination systems, pricing engines, or financial analysis tools.
• Proven ability to manage a loan pipeline and meet production goals.

Skills & Competencies

• Broad knowledge of lending products, underwriting principles, and regulatory requirements.
• Strong analytical skills to assess complex borrower financial scenarios.
• Excellent communication and customer service skills for guiding borrowers through the loan process.
• Ability to work independently and make sound decisions using established guidelines.
• Problem-solving skills for addressing difficult or multifaceted loan issues.
• Strong organizational skills and ability to manage multiple applications simultaneously.
• Ability to influence and collaborate with internal partners across multiple job areas.
• Skill in coaching and supporting team members.
• Proficiency with lending systems, financial software, and documentation tools.
• Commitment to accuracy, confidentiality, and high-quality borrower experience.

Working Conditions

Work is performed in a general office or remote-office environment with regular use of computers, loan origination systems, and communication tools. Workload may fluctuate based on borrower demand, loan cycles, and internal deadlines. Occasional onsite meetings or training sessions may be required. Minimal travel may occur for team collaboration or professional development.

Physical Requirements

• Ability to sit for extended periods while reviewing borrower information and completing documentation.
• Ability to lift and carry light materials such as files or office supplies.
• Ability to operate computers, communication tools, and financial systems regularly.
• Ability to move throughout office or meeting environments as needed.
• Ability to maintain concentration during detailed review and analysis tasks.

Compensation

• Base Salary: $17.75 per hour + comissions
• FLSA Status: Non-Exempt
• Bonus Type: None

Comprehensive Benefits Package

We offer a comprehensive benefits package designed to meet the diverse needs of our employees and their families:

• Competitive Compensation: We provide a competitive compensation structure that rewards performance and results.
• Health & Wellness: Comprehensive coverage includes medical, dental, and vision insurance options, as well as Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
• Financial Future: Access a 401(k) retirement savings plan.
• Time Off: Our time-off benefits include vacation, sick leave, paid holidays, and other leave types (bereavement, jury duty, FMLA, military leave).
• Insurance & Protection: Company-provided life insurance, accidental death and dismemberment (AD&D) insurance, and short- and long-term disability coverage are included. An employee assistance program (EAP) is also available.
• Exclusive Perks & Discounts
• Homeownership & Financing: Take advantage of exclusive home purchase and financing discounts.
• Pet Insurance: Enjoy discounted group pet insurance rates.

If you are ready for more than a job and seek a career with one of the most respected organizations in the industry, we encourage you to connect with us. Please visit our website at www.richmondamerican.com for additional information.

Sekisui House U.S., Inc. is an Equal Opportunity Employer.