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Construction To Permanent Loan Officer- Middletown, RI 

About the Organization Since 1983, Embrace Home Loans, Inc. (formerly Advanced Financial Services) has been a direct-to-consumer originator of residential mortgage loans. Headquartered in Middletown, Rhode Island and employing over 800 people, Embrace currently originates business across 46 states.

Embrace Awards & Recognitions
Best Small & Medium Companies to Work for In America (GPTWI) 2012, 2011, 2009, 2008, 2007, 2005, 2004
INC 5000 Fastest Growing Private Companies in America (Inc. Magazine): 2013, 2012, 2011, 2010, 2007
Best Places to Work in Rhode Island (PBN): 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009, 2008, 2007, 2006
Business Excellence Award for Community Involvement (PBN): 2006


Primarily responsible for providing service and sales to referred Construction To Permanent mortgage loans. Required to procure applicable documentation, communicate with and counsel customers, internal referring Loan Officers, Real Estate and Builder contacts of referring Loan Officers. Have the ability to present packaged files with recommendations to credit staff.

  • Coordinate customer interaction and interface with all parties involved on each individual C2P loan that is originated from application to closing including, but not limited to:

  1. counseling and pre-qualifying potential home buyers
  2. taking complete and accurate application
  3. Obtain all necessary support documents (EHL & Granite Co’s) along with the appropriate fees and lock in information
  4. Overseeing the loan process by monitoring loan status and ensuring conformity with term
  5. Assist in collecting additional documents and promptly communicated loan status to all interested parties and
  6. Obtaining loan documentation after closing as directed by corporate or senior management
  • Maintain a professional image and standards consistent with company policies and procedures.

  • Follow through on all professional conditions and education requirements for licensure.

  • Adhere to organizational procedures for loan processing.

  • Formulate and follow origination strategies to develop opportunities via both internal and external sources

  • Interview applicants to develop information concerning their needs and desires, and in so, determine buying strategy and probable product match

  • Keep up to date with changing rules, regulations, and guidelines from FNMA, FHLMC, FHA, and VA in addition to other investors and agencies

  • To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages.

  • Performing such duties and assuming other responsibilities as may be assigned

Position Requirements
  • Industry Licensing, both National & State
  • College Degree or equivalent
  • Two-four years mortgage sales or process experience
  • Ability to provide after-hours and weekend support
  • Laptop or PC availability for after-hours and weekend support
  • Excellent Communication Skills
  • Demonstrated history of providing exceptional Customer Service
  • Self-Starter, able to prioritize, and act without supervision
  • Ability to cultivate a team approach for all parties involved in a C2P mortgage loan
  • Empower system expertise and mortgage operational process


  • Action Oriented
  • Dealing with Ambiguity
  • Approachability
  • Business Acumen
  • Customer Focus
  • Peer Relationships
  • Priority Setting
  • Problem Solving
  • Time Management
  • Drive for Results

Health Benefits:

  • Medical, Dental and Vision Coverage
  • Company-paid Life & Long-term Disability Insurance
  • Voluntary Life & Short-term Disability Insurance
  • 401(k) Automatic Enrollment, first of the quarter, following your six month anniversary
  • Flexible Spending Accounts
  • Employee Assistance Plan
  • Concierge/Referral Service

*Medical, Dental, and Life benefits commence on the first of the month following the date of hire.

Embrace Home Loans, Inc. is an Equal Opportunity Employer

Full-Time/Part-Time Full-Time  
Created By Connie Rybacki  
Exempt/Non-Exempt Non-Exempt  
Location Middletown, RI  

This position is currently not accepting applications.

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