Careers - Job Listings

VP, Loan Officer

About On Q Home Loans

At On Q Home Loans, we’re not just in the mortgage business, we’re in the business of moving fast, thinking BIG, and saying yes. Speed isn’t just something we offer, it’s the foundation of how we operate, from first touch to final approval. We believe the mortgage process should feel as seamless and modern as the world we live in and we’re building the tools, systems, and team to make that vision a reality.
Our goal is simple and bold:

Create real certainty in a process that’s often anything but.

That means quicker answers, clearer communication, and a lending experience that moves at the pace of your life. Our goal is to build a world where your mortgage approval happens the same day you apply. Instant decisions, real certainty – powered by technology and built for speed!

We invest in the best people, because we know the right team changes everything. We foster a culture of collaboration, innovation, and excellence, where ideas move fast and results follow. With over 648 loan products, elite-level pricing, and a tailored, tech-powered process, we help you stay competitive, close confidently, and win more deals.

You’re never just a number here.

You’re the VIP.

Let’s build the future of home lending – together.

Job Title: VP of Mortgage Lending with On Q Home Loans

Role & Responsibilities:

• Registered and maintains active, On Q sponsored registration in the Nationwide Mortgage Licensing System and Registry (NMLSR) and has been assigned a unique identification number.
• Meets and maintains all licensing requirements including continuing education.
• Originates mortgage loans in compliance with On Q requirements and federal and local regulations.
• Works with customers by providing best loan solution for each customer, providing continual updates and advice throughout process.
• Analyzes detailed financial and credit data, matching customer needs with appropriate loan program and level of risk.
• Negotiates terms and conditions of loans with customers.
• Develops and maintains referral relationships with realtors, developers, builders, community/network sources and other referrals.
• Spends significant time outside of office in business development and consultation activities with borrowers, builders, realtors and other business channel associates.
• Comply with all disclosure requirements and timeframes.

What We’re Looking For

• At least 2+ years of origination experience with residential mortgage banking.
• Current state licensing and registration under the National Mortgage Licensing System and Registry
• Established, consistent source of referral-based business from realtors, builders, attorneys, financial professionals and other sources.
• Focus on customer service and relationships with all clients.
• Proven sales, prospecting and negotiating skills.
• Ability to thoroughly comprehend underwriting guidelines, as well as programs, policies and procedures.
• Thorough understanding of real estate appraisals, title reports and real estate transactions; ability to interpret documents and reports.
• Ability to clearly communicate loan terms, features and benefits to consumers and business partners.
• Ability to meet minimum production requirements.
• Willingness to work weekends and evenings with builders and developers.
• Highly motivated, professional, and desire to be the best.
• Must be knowledgeable about and stay in compliance with all applicable laws and regulations.
• Computer proficiency, especially with Microsoft Office Suite products (Outlook, Excel, Word) and Encompass.

Benefits:

• Competitive commission-based earnings with high-income potential
• Automation tools and marketing support
• Full Benefits: Health, Dental, Vision, 401(k)

Compensation: Commission + Draw

NOTE: This job description is not intended to be an exhaustive list of all duties, responsibilities or qualifications associated with this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Guaranteed Rate Affinity is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

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Producing Regional Sales Manager

About On Q Home Loans

At On Q Home Loans, we’re not just in the mortgage business, we’re in the business of moving fast, thinking BIG, and saying yes. Speed isn’t just something we offer, it’s the foundation of how we operate, from first touch to final approval. We believe the mortgage process should feel as seamless and modern as the world we live in and we’re building the tools, systems, and team to make that vision a reality.

Our goal is simple and bold:

Create real certainty in a process that’s often anything but.

That means quicker answers, clearer communication, and a lending experience that moves at the pace of your life. Our goal is to build a world where your mortgage approval happens the same day you apply. Instant decisions, real certainty – powered by technology and built for speed!

We invest in the best people, because we know the right team changes everything. We foster a culture of collaboration, innovation, and excellence, where ideas move fast and results follow. With over 648 loan products, elite-level pricing, and a tailored, tech-powered process, we help you stay competitive, close confidently, and win more deals.

You’re never just a number here.

You’re the VIP.

Let’s build the future of home lending – together.

Responsibilities

• Recruit top quality branches, branch managers, sales managers and/or loan officers
• Develop and grow the market share and profitability of directly managed branches and loan officers
• Develop and grow the number of branches that will be managed as a sales leader and manage the profitability of the branches
• Directly, and indirectly, manage the branches to Regional Sales targets set by the National Sales Manager, and maximize the ability of the branches to effectively manage expenses and drive revenue
• Conduct research on industry trends and best practices to identify and analyze trends and market intelligence for an assigned regional territory; providing regular feedback to assist in the development of sales strategies
• Work with National Sales Manager to deliver a clear and concise monthly performance analysis that reflects that all branches under management are exceeding sales projections or develop a plan of action to meet stated goals
• Design and execute multi –level strategies to ensure regional market penetration in order to meet sales targets within a defined timeline
• Tactically deliver on National Sales Managers established vision
• Actively managing the branch pipeline, with the branch managers, on a daily basis

Qualifications

• Experience as a Regional Manager or related position in the mortgage industry
• Previous management and consistent production experience
• Strong interpersonal skills
• Detail oriented to drive the branches to achieve goals
• Effective communicator. Must be able to ensure all branch manager and area managers are knowledgeable about goals, objectives and responsibilities
• Strong management skills. Must be able to manage reports to achieve desired results
• Must have strong financial management skills to analyze data and information to make decisions and challenge direct reports
• Highly professional. Ability to model the organizational pace and direction for their branches
• Highly ethical and driven to succeed
• A thorough knowledge of FNMA, FHLMC, FHA, VA, GNMA, mortgage insurer guidelines, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws, and Company Policy Compliance and Ethics Codes
• Working knowledge of the Microsoft Office suite of products

Compensation: Base + Commission + Overrides

Guaranteed Rate, Inc. dba On Q Home Loans, NMLS ID #2611; Operating as Guaranteed Rate, Inc. D/B/A OnQ Home Loans in Arizona & Oregon. For licensing information visit nmlsconsumeraccess.org

Guaranteed Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

Apply