Internal Mortgage Loan Officer

HOPE Overview HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under‑resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Georgia, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation.

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Title: Internal Mortgage Loan Officer

Department: Mortgage Lending

Reports To: VP, Area Sales Manager

Job Classification: Exempt, Full‑time

The internal mortgage loan officer role requires a qualified mortgage loan officer to guide customers through our mortgage application process. The loan officer will meet with Hope mortgage clients to understand their goals and recommend plans that best fit their needs. The loan officer will gather and evaluate all necessary financial information, submit applications, and provide updates throughout the process.

• Help qualified borrowers successfully obtain mortgages
• Educate customers on mortgage rules and regulations, interest rates, and the application process
• Advise customers, ensuring each is paired with a mortgage that best meets their needs
• Work as a cohesive team with loan processors and underwriters, collecting all documentation and information they need to process applications
• Ensure all deadlines are met, addressing and resolving all application issues in a timely manner
• Create positive, lasting relationships with our clients and build a referral network internally within Hope’s network of services.
• Meet with potential customers to evaluate their financial background and home ownership goals
• Recommend the mortgage plans that best align with customers’ backgrounds and needs, drawing on research and personal expertise
• Collect the financial documents and information needed to complete a mortgage application, performing research and conducting interviews as needed, and ensure that all information is complete and accurate
• Resolve any application issues
• Keep an open line of communication with applicants throughout the process, providing updates and answering any questions that arise
• Intake and track internal Hope mortgage leads and provide timely reporting.
• Responsible for the origination of Hope’s internal platforms and specialty products.
• Other duties as assigned

• Bachelor’s degree in a relevant field preferred or equivalent experience in mortgage lending
• Three years of experience in residential mortgage loan processing and/or closing
• Demonstrated strength in the ability to manage multiple projects at once while maintaining appropriate attention to detail

• High school Diploma or GED

• Detail‑oriented, excellent communication skills, both verbal and written
• Enthusiasm for providing customers with the best possible service
• Understanding of legal regulations as they pertain to mortgages
• Ability to make sound mortgage recommendations based on research, personal expertise, and customers’ financial backgrounds
• Stress tolerance – performing well when faced with pressure due to time frame, workload, adversity, disappointment, or opposition
• Teamwork – working as a productive member of a cohesive group toward a common goal and contributing to team development and effective team dynamics
• Organizational awareness – having and using knowledge of systems, situations, procedures, and culture inside the organization to identify potential problems and opportunities; perceiving the impact and implications of decisions on other components of the organization
• Results orientation – being persistent and showing perseverance on achieving concrete and tangible results out of personal responsibility; getting optimum results from situations and being ready to take action and show tenacity in case of obstacles or resistance
• Attention to detail – taking responsibility for a thorough and detailed method of working
• Integrity – upholding generally accepted social and ethical standards in job‑related activities and behaviors