Junior Mortgage Loan Officer

Program Overview

Junior Mortgage Loan Officer Program: 12‑month development program to prepare candidates to launch a career as a Mortgage Loan Officer. Applicants will attend the Xinnix Mortgage Academy, graduate as Xinnix Certified Loan Officer, and receive mentorship and hands‑on training. Upon successful completion, participants transition into a full Mortgage Loan Officer role.

• Build and maintain relationships with referral sources (realtors, builders, key partners) to generate mortgage loan opportunities.
• Provide information during client inquiries, referencing appropriate mortgage programs and guidelines.
• Invite clients to complete a mortgage loan application when appropriate.
• Interview mortgage loan applicants professionally and efficiently to secure complete applications and all necessary supporting documentation.
• Make sales calls to realtors, builders, and other key referral partners to solicit mortgage loans, build relationships, and promote bank products and services.
• Educate applicants on loan products, costs, and closing fees associated with their loan request.
• Gather and document applicant income, debt, credit history, employment, and other relevant information.
• Request, collect, and review required documentation (tax returns, W‑2s, purchase agreements, legal descriptions, verifications, and other materials necessary to process a loan application).
• Evaluate applicant information to determine qualification status or identify additional information needed for further consideration.
• Communicate with applicants to resolve discrepancies such as credit issues, unlisted debts, or missing information.
• Submit complete loan applications and supporting documentation to loan processing.
• Inform loan applicants of approval or denial outcomes.
• Participate in daily or weekly accountability meetings with the Mortgage Business Development Manager and loan processor to review performance, processes, and pipeline.
• Attend loan closings.
• Comprehend, adhere to, and maintain compliance with all bank policies, procedures, and applicable government regulations.

• Participate in personal and professional development opportunities, including BAI courses, Xinnix Mortgage Academy, and other internal or external programs.
• Represent the bank through involvement in community, business, charitable, civic, and social activities.
• Perform other duties as assigned.

• Professional and effective communication skills, both verbal and written, across multiple channels and digital platforms.
• Ability to review, analyze, and comprehend a variety of resources, including financial information.
• Strong attention to detail with the ability to proofread and verify written materials.
• Proficiency with technology and Microsoft Office suite.
• Strong organizational and time‑management skills.
• Ability to work independently and collaboratively within a team environment.

• Minimum one year of consumer loan or mortgage loan experience strongly preferred.
• Previous sales experience preferred.
• Bachelor’s degree in a business‑related field preferred.
• Customer service experience required with knowledge of banking products and services strongly preferred.

Department hours are generally Monday‑Friday from 8:00–5:00, but flexibility to meet the scheduling needs of clients and business partners and attend work‑related events is essential.

• Marathon Health Clinics with FREE visits and prescriptions.
• Generous Paid Time Off benefit.
• Tuition reimbursement.
• 401(k) match.
• Associate Stock Ownership Plan.
• Daycare reimbursement.
• Free onsite fitness center/Fitness reimbursement.
• Health and Wellness Programs.
• Diversity/Equity/Inclusion council participation.
• Career growth opportunities.
• Work/life balance.

Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. We are proud to have an engaged and inclusive culture and promote equal employment opportunities regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.

Centier Bank is a member of the FDIC.