Junior Loan Officer

RWM Home Loans is a family-owned community mortgage bank with over 3 decades of experience, proudly providing award-winning 5-star service to help clients achieve their home financing goals. Our mission is to empower communities through financial education and home ownership and we’re building a team of passionate individuals who share this vision from coast to coast. We offer a wide variety of loan programs with flexible options and tailored consultations, helping us guide clients every step of the way to long-term financial success.

Our commitment to excellence is reflected in our workplace culture, which has earned us repeat recognition as a Top Workplace, with honors for employee appreciation, professional development, well-being, and innovation. With access to upper management and a platform to share your ideas, we’re committed to investing in our team members’ growth and we offer a variety of development opportunities and growth avenues.

Ready to make a difference and advance your career? Join our award-winning team and achieve your career goals with us!

As a junior loan officer, you will partner with a senior loan officer by managing incoming client leads from initial contact through closing. This position requires a licensed professional with 1-2 years of experience in residential lending, including expertise in government, conventional, and non-QM products. This is a commission-based role, offering significant earning potential, professional growth opportunities, and the chance to work with a top 1% real estate agent in the Southeast and a top 25% producer in the entire NMLS.

We are seeking a dynamic, driven individual to join our fast-paced, high-performing team that delivers a 5-star experience daily.

• Client Interaction: Serve as the primary point of contact for clients, answering questions, providing updates, and ensuring a seamless loan experience
• Pipeline Management: Track and manage TBD and active pipelines, providing regular updates to team members
• Handle a high volume of calls and top-of-funnel outreach to ensure immediate follow-up with referrals or responses on our automation tools
• Operate with urgency on every file, ensuring timely and accurate service
• Be flexible and willing to work outside normal hours to accommodate referral needs and deadlines
• Loan Processing Support:
• Review and verify loan applications for accuracy and completeness
• Complete income calculations, order automated and manual WVOEs, and obtain AUS findings
• Submit files for Certified Pre-Approvals and underwriting decisions to Team Processor
• Coordinate disclosures and maintain compliance with industry regulations
• Team Coordination:
• Schedule weekly pipeline calls with loan officer and processor
• Attend monthly sales, operations, and LOA meetings for training and collaboration
• Support two established B2B partnerships, supporting our employee engagement efforts and growing a new customer lead channel
• Knowledge Building: Stay updated on internal workflows, technology, and loan guidelines (conventional, FHA, VA, and non-agency)
• Compliance: Ensure adherence to company policies and industry standards

• Must hold a valid NMLS license
• 1-2 years of experience in residential lending, including government, conventional, and non-QM products
• Proficient in Microsoft Office Suite
• Familiarity with Simple Nexus (nCino), Total Expert, and Canva is a plus
• Excellent communication and problem-solving skills

• Pay Structure:
  Commission based compensation on funded loan production
• Competitive compensation based on experience
• Opportunities for professional development and career growth
• A collaborative and supportive work environment
• Possible benefits if coming on full time (must be closing 1 self-generated loan a month)