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Loan manager vs loan originator

The differences between loan managers and loan originators can be seen in a few details. Each job has different responsibilities and duties. It typically takes 4-6 years to become both a loan manager and a loan originator. Additionally, a loan originator has an average salary of $41,291, which is higher than the $39,623 average annual salary of a loan manager.

The top three skills for a loan manager include loan applications, customer service and real estate. The most important skills for a loan originator are customer service, origination, and FHA.

Loan manager vs loan originator overview

Loan ManagerLoan Originator
Yearly salary$39,623$41,291
Hourly rate$19.05$19.85
Growth rate4%4%
Number of jobs11,96510,716
Job satisfaction--
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 61%
Average age4545
Years of experience66

What does a loan manager do?

A loan manager is a person who supervises and oversees the financial system and the cash flow of a company. They are responsible for the assessment, examination, approval, and even rejection of loan application based on the financial capacity and capability of a loan applicant. A loan manager determines and classifies the possible financial risk and problems that could be encountered. Also, they are the one who controls lending activities for all loan programs, manages all collections, as well as ensuring that the policies of the company are implemented.

What does a loan originator do?

A Loan Originator is a potential liaison between borrowers and lenders. They help borrowers complete loan applications and evaluate which loans are most appropriate for the customers.

Loan manager vs loan originator salary

Loan managers and loan originators have different pay scales, as shown below.

Loan ManagerLoan Originator
Average salary$39,623$41,291
Salary rangeBetween $27,000 And $58,000Between $28,000 And $60,000
Highest paying CityJersey City, NJNew York, NY
Highest paying stateNew JerseySouth Dakota
Best paying companyPacific Investment Management Company LLCCentennial Bank
Best paying industryFinanceTransportation

Differences between loan manager and loan originator education

There are a few differences between a loan manager and a loan originator in terms of educational background:

Loan ManagerLoan Originator
Most common degreeBachelor's Degree, 59%Bachelor's Degree, 61%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Loan manager vs loan originator demographics

Here are the differences between loan managers' and loan originators' demographics:

Loan ManagerLoan Originator
Average age4545
Gender ratioMale, 46.5% Female, 53.5%Male, 54.0% Female, 46.0%
Race ratioBlack or African American, 9.2% Unknown, 4.6% Hispanic or Latino, 15.9% Asian, 6.4% White, 63.5% American Indian and Alaska Native, 0.5%Black or African American, 9.2% Unknown, 4.6% Hispanic or Latino, 16.1% Asian, 6.4% White, 63.2% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between loan manager and loan originator duties and responsibilities

Loan manager example responsibilities.

  • Reduce downtime by completing reports on ATM and repairs and managing service calls.
  • Manage loan origination underwriting and funding teams for dealer and consumer financial products and services.
  • Ensure all loan origination procedures are followed according to bank and federal guidelines.
  • Back up to member services, ATM and vault teller when need.
  • Front end manual and AUS underwriting of FHA purchase, new construction and refinance transactions.
  • Include supervising a staff of five in submitting VA and FHA loans for guaranty and insuring.
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Loan originator example responsibilities.

  • Supervise and manage the processing staff and also underwrite conventional loans for correspondent lenders.
  • Complete yearly the NMLS continuing education requirements.
  • Direct lender with FNMA while maintaining all loan servicing.
  • Increase revenues and product awareness by cross-selling service lines and packages.
  • Complete a rigorous training program and have obtained 25 NMLS state licensing requirements to be a loan originator.
  • Review FHA case number assignments, mortgage credit rejects and refinances authorizations to determine qualification.
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Loan manager vs loan originator skills

Common loan manager skills
  • Loan Applications, 20%
  • Customer Service, 9%
  • Real Estate, 9%
  • Loan Portfolio, 5%
  • Origination, 5%
  • Corporate Financial Statements, 4%
Common loan originator skills
  • Customer Service, 18%
  • Origination, 9%
  • FHA, 6%
  • Va, 6%
  • Phone Calls, 6%
  • Excellent Interpersonal, 5%

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