Trabajos loan officer en Richmond, VirginiaCrear alertas

Job Description At Koalafi, we believe in a world where no one has to put an important purchase on hold. That's why we're making it easier for more people to pay for big purchases over time. Retailers across the country rely on us to offer flexible lease-to-own financing to their non-prime consumers, while increasing sales and strengthening customer loyalty. Their 2M+ customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200+ Koalafi teammates enjoy inspiring and challenging work that accelerates their careers. Interested in learning more about how we're transforming the financing experience and joining our team? What You'll Do Koalafi is expanding beyond lease-to-own by launching a non-prime installment loan product that will diversify our portfolio and accelerate growth in select states and verticals. The Manager of Business Analysis will report directly to the Chief Risk Officer and play a central role in designing and operationalizing the company's risk management framework for this new product. The role will lead development of core risk policies (credit, fraud, KYC/AML, collections, etc.), build a robust monitoring and reporting suite, and execute ad hoc analyses that support product development, pilot rollout, and scaling. This person will be a key cross-functional partner to Product, Engineering, Compliance/Legal, Operations, and Finance. Risk Policy Development & Governance • Lead drafting and iteration of risk management policies and standards supporting the non-prime installment product, including:, • Credit policy (eligibility, underwriting strategy, line assignment, and pricing inputs), • Fraud policy (identity theft, synthetic fraud, first-party fraud, and merchant abuse), • KYC / identity verification standards (CIP/KYC requirements, documentary verification requirements, third-party data use, and step-up verification), • Servicing and collections risk policy (hardship, restructures, settlements, and outbound communications), • Translate policy intent into operational procedures and control requirements, • Establish a lightweight governance cadence for policy review/changes and maintain a living policy repository with change logs Monitoring Suite & Risk Reporting • Design and implement a monitoring framework for the new product that includes:, • Risk appetite metrics and early-warning indicators (origination mix, approval rates, early DQ, roll rates, fraud rate, payment failure rates, complaint rate, etc.), • Cohort/vintage tracking and performance segmentation (state, vertical, channel, merchant, score band, income/DTI bands, etc.), • Operational controls monitoring (KYC pass rates, step-up rates, manual review queues, etc.), • Build a recurring executive reporting pack for the leadership team and create self-serve dashboards for day-to-day decision making., • Partner with Analytics and Data Engineering to ensure data definitions are consistent, auditable, and scalable (metric dictionary, QA checks, reconciliation vs. source systems). Product Launch Support & Ad Hoc Analysis • Support product design decisions by quantifying trade-offs among risk, approval rate, unit economics, and customer experience (e.g., pricing sensitivity, repayment term structures, down payment requirements, etc.)., • Conduct targeted analyses to inform rollout strategy by state and vertical, including regulatory-driven constraints and operational readiness., • Partner with Product and Engineering on test design and evaluation (A/B tests, pilots, phased rollouts), including measurement plans and success criteria. Cross-Functional Influence & Execution • Serve as a primary risk analytics partner to Product/Engineering during build, ensuring risk requirements are embedded in workflows (application, underwriting, funding, servicing, and collections)., • Collaborate closely with Compliance/Legal to translate regulatory requirements into operational policy and monitoring., • Coordinate with Operations to ensure procedures, training, and escalation pathways align with policy intent., • Drive clarity in decision-making: define owners, timelines, and expected deliverables; keep stakeholders aligned through launch milestones. What Success Looks Like (First 6–12 Months) • Core risk policies for the installment product are drafted, approved, and operationalized with clear change-control and exception processes., • A "first-class" monitoring suite is live with daily/weekly dashboards and a monthly executive risk review cadence., • Leadership has clear visibility into product performance by state/vertical, with early-warning signals and action plans., • Policy and monitoring enable a controlled rollout that meets regulatory needs while achieving target approval and loss-rate ranges. About You (Qualifications) • Bachelor's degree required, in a quantitative field such as Statistics, Mathematics, Economics, Business, or Engineering preferred, • 5+ years of experience in an analyst, data science, or consulting role, • 3+ years of experience in credit risk analytics, • Experience in consumer financing industry, such as credit cards, personal loans, auto loans, BNPL, or similar field, • Proficiency in Excel, SQL, and Python for data analysis, • Exceptional attention to detail and problem-solving skills, • Ability to create a strategic agenda and execute against it, • Desire to work in a fast-paced, dynamic entrepreneurial environment, • Strong written and verbal communication skills Why choose Koalafi: A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation, trust, and ownership. You'll get outside your comfort zone, build meaningful relationships, and most of all, take charge of projects that ultimately help people get the things they need most. Benefits: At Koalafi, you will have a direct impact on our products and help shape the company's success. We offer competitive compensation & benefits packages to keep you at your best: • Comprehensive medical, dental, and vision coverage, • 20 PTO days + 11 paid holidays, • 401(k) retirement with company matching, • Student Loan & Tuition Reimbursement, • Commuter assistance, • Parental leave (maternal + paternal), • Inclusion and Associate Engagement Programs Who we are & what we value: • We focus on what's most important, • We set clear expectations and deliver, • We embrace challenges to reach our full potential, • We ask, "How can this be better?", • We move fast together

Job DescriptionDescription: Position Overview: The Outside Loan Officer’s primary role is to source, qualify and originate mortgage loans for by working primarily outside the Company’s offices to solicit and obtain business from referral sources such as realtors, builders, financial service providers and others as well as borrowers directly. Key Responsibilities: • Comply with outside sales and reporting obligations, duties, requirements and guidelines., • Produce loans according to targets set by manager., • Uphold the integrity of the brand., • Must be familiar with originating loans., • Properly qualify consumers and assure that you are issuing pre-approvals according to guidelines., • Monitor loan pipeline through Lenders Office., • Monitor productivity via reporting tools., • Ensure compliance with all government and regulatory requirements., • Loan Officer shall determine his or her hours or work., • Loan Officers are not required to work any specific number of hours per week and when you do work it is at your discretion., • Take information from the prospective borrower and complete the loan application form., • Set yearly goals/attend meetings with manager., • Educate borrowers/communicate on a regular basis with borrowers, listing brokers and selling brokers., • Analyze the prospective borrower’s income and debt and pre-qualify the prospective borrower to determine the maximum mortgage amount that the prospective borrower can afford., • Educate the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available and demonstrating how closing costs and monthly payments could vary under each product., • Maintain regular contact with the borrower, realtors and the Company between the time of the application and closing to apprise them of the status of the application and gather any addition information., • Collect financial information (tax returns, bank statements) and other related documents that are part of the application process., • Order in file credit report, when required by the Company., • Determine whether the property is in a flood area, where required by the Company., • Attend the closing of the mortgage loan, if requested by the company., • Under no circumstances shall the Loan Officer be compensated greater than the amount negotiated in the Loan Officer Compensation Agreement., • Able to comply with the policies and procedures outlined in the Company handbook, • Perform other duties as assigned.Requirements: Education/Experience: • Able to comply with the policies and procedures outlined in the Company Handbook, • Must have a current license through NMLS and be in good standing, • Knowledge of Freddie Mac (FHLMC), Fannie Mae (FNMA), FHA, and VA, • Two (2) years prior mortgage or mortgage banking experience, • Ability to deliver effective results and to meet deadlines, • History of exceeding sales goals, • Reliable transportation, valid driver’s license and current automotive insurance, • Sound judgment and decision-making skills, • Ability to work under pressure and meet deadlines with minimal supervision, • Excellent phone and service skills, • Develop and maintain relationships within the real estate community, • Timely communication and response times according to department standards Travel: • As needed travel internationally between United States and Mexico to meet business needs. Language: • English preferred, Bi-Lingual (English/Spanish) desired. Compensation: • PMG will offer a competitive compensation package commensurate with the background and experience of the applicant. AAP/EEO Statement: Panorama Mortgage Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by applicable federal, state.

Job Description Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. This is a 100% Commission role This is a fully remote opportunity with access to: • Up to 100% commission structure, • 300+ lenders nationwide, • Business in 48 states, • Revenue share opportunities, • Scalable systems and technology, • Optional paid BDC-supported opportunities What Makes Us Different? Most Loan Officers never see the true value of the loans they close. With this opportunity, you gain: • Full transparency into margins and compensation, • Control over pricing and income, • The ability to operate like an independent business owner Requirements Ideal Candidates • Active Mortgage Loan Officers, • Self-sourced producers, • Branch Managers and Team Leads, • LOs seeking higher compensation and more flexibility, • Professionals looking to scale beyond a local market Benefits Benefits - 100% Commission - Keep More of what your earn • Fully remote platform, • National lending footprint, • No income caps, • Revenue share opportunities, • Flexible business model, • Access to extensive lender options