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Loan originator skills for your resume and career

Updated January 8, 2025
3 min read
Loan originator example skills
Below we've compiled a list of the most critical loan originator skills. We ranked the top skills for loan originators based on the percentage of resumes they appeared on. For example, 18.2% of loan originator resumes contained customer service as a skill. Continue reading to find out what skills a loan originator needs to be successful in the workplace.

15 loan originator skills for your resume and career

1. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how loan originators use customer service:
  • Provided exemplary customer service to both internal staff and external customer by explaining credit decision and offering alternative options when needed.
  • Provided customer service by explaining mortgage loan product, clarified questions/concerns and resolves problems regarding processing loan to customers.

2. Origination

Here's how loan originators use origination:
  • Perform all functions associated with loan origination for residential purchase and refinance, including loans associated with current government restructuring programs.
  • Learned the entire Mortgage Brokerage business and progressed from Receptionist to Loan Processing/Closing, Loan Origination Assistant and finally Loan Originator.

3. FHA

The Federal Housing Administration (FHA) stands for a government agency in the United States that offers housing insurance to FHA-approved lenders who follow certain conditions.

Here's how loan originators use fha:
  • Reviewed FHA case number assignments, mortgage credit rejects and refinances authorizations to determine qualification.
  • Utilized automated underwriting engines to assess credit and collateral risk during conventional and FHA lending.

4. Va

Virtual assistants are the professionals who provide assistance for businesses virtually from remote areas. These individuals are hired by online businesses to perform management and administrative tasks of the company such as marketing, bookkeeping, and many other services. with virtual assistants, businesses can exist and work virtually without any need for a physical office.

Here's how loan originators use va:
  • Orchestrated & implemented sale and refinance transactions of conforming/nonconforming FHA/VA loans.
  • Performed administrative duties in support of B & C, VA, and Conventional loan processing.

5. Phone Calls

Phone calls are a wireless or wired connection made over a telephone or a mobile phone between two people. Two parties are involved in a phone call, the caller and the receiver. A caller dials the number of the one he wants to call, and the recipient hears a bell or a tune to which he picks up the call. The call establishes a connection between them through which they can communicate. The voice is converted into signals and is transmitted through wired or wireless technology.

Here's how loan originators use phone calls:
  • Generated 100+ phone calls daily to solicit new business, to interview applicants and to ascertain if loan eligible.
  • Originated loans, telemarketing, handled in-house lead and answered in-bound phone calls.

6. Excellent Interpersonal

Here's how loan originators use excellent interpersonal:
  • Exhibit excellent interpersonal skills in order to provide guidance and direction to clients.
  • Utilized excellent interpersonal skills in dealing with clients.

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7. NMLS

Here's how loan originators use nmls:
  • Completed a rigorous training program and have obtained 25 NMLS state licensing requirements to be a loan originator.
  • Adhere to Fair Housing Laws, NMLS guidelines and Capital One policy at all times.

8. Financial Data

Here's how loan originators use financial data:
  • Verified credit, employment and financial data listed on loan applications and made appropriate qualifying calculations for approve/decline recommendations.
  • Evaluated loan requests, analyzed financial data and sales/profitability forecasts of clients, and analyzed property tax values.

9. Financial Services

Financial services are economic services that are offered by the finance sector, which includes banks, financial institutes credit-card agencies, insurance companies, accountancy firms, and others that handles assets. Organizations in the financial services sector are concerned with money and risk management.

Here's how loan originators use financial services:
  • Contacted prospective customers to present information on available services such as mortgage brokerage, lines-of-credit, or other financial services.
  • Determined customers' financial services needs and prepared mortgage proposals

10. Credit Reports

Credit reports are statements that carry information about your credit affairs and current credit situation like loan payment history and credit accounts status. A credit report acts as history because it contains the record from the day you opened the account till your account balance. Potential lenders and creditors make use of credit reports and decide whether to offer you credit or not and under what conditions.

Here's how loan originators use credit reports:
  • Pulled credit reports and requested verification documents from customers to determine eligibility for home equity loans.
  • Ordered credit reports, receive analyzing debit actions and review credit history for acceptability.

11. Loan Products

Here's how loan originators use loan products:
  • Company achieved record revenue in consecutive years through success in originating multiple loan products.
  • Collected information from buyers to determine qualifications for potential loan products.

12. Loan Packages

Here's how loan originators use loan packages:
  • Gathered appropriate documentation for each loan applicant and delivered complete loan packages within time frames determined by management.
  • Submitted loan packages for final underwriting review/approval, followed up with conditions and final loan documentation.

13. RESPA

Here's how loan originators use respa:
  • Follow and enforce (within the office) RESPA and TILA regulations to comply fully with state and federally implemented legislation
  • Monitor the loan application from beginning to end following qualified mortgage guidelines, investor guidelines and new TRID RESPA guidelines.

14. USDA

Here's how loan originators use usda:
  • Originate Conventional, FHA/VA, USDA, Small Balance Commercial loans
  • Provided rehabilitation construction financing in conjunction with USDA RD permanent financing to preserve affordable rental housing in West Virginia.

15. Business Relationships

Here's how loan originators use business relationships:
  • Identify and develop relationships with potential community partners ensuring that professional business relationships are established and maintained.
  • Originated residential mortgage loans utilizing various lead sources and developing key business relationships.
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List of loan originator skills to add to your resume

Loan originator skills

The most important skills for a loan originator resume and required skills for a loan originator to have include:

  • Customer Service
  • Origination
  • FHA
  • Va
  • Phone Calls
  • Excellent Interpersonal
  • NMLS
  • Financial Data
  • Financial Services
  • Credit Reports
  • Loan Products
  • Loan Packages
  • RESPA
  • USDA
  • Business Relationships
  • FNMA
  • Loan Programs
  • Bank Secrecy Act
  • Mortgage Products
  • Anti-Money Laundering
  • Underwriting Guidelines
  • Outbound Calls
  • Credit Worthiness
  • Real Estate Professionals
  • Residential Mortgage Loans
  • Loan Approval
  • Inbound Calls
  • Cold Calls
  • Interest Rates
  • Tax Returns
  • Fannie MAE
  • Property Evaluations
  • Lead Management
  • Loan Origination
  • Loan Closings
  • Referral Business
  • DU
  • Bank Statements
  • Commercial Loans
  • Loan Options
  • Calyx
  • Automated Underwriting
  • Calyx Point
  • Corporate Financial Statements
  • HUD
  • Freddie Mac
  • Branch Management
  • Conventional Loans
  • Mortgage Loan Applications
  • Loan Agreements

Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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