Junior Loan Officer

Junior Loan Officer

Cornerstone First Mortgage – Miami, Florida, United States

Are you an outgoing people‑person who thrives in a fast‑paced work environment? If so, we are looking for you! Our lending team is seeking a junior loan officer to help applicants navigate the home loan process. We offer the training, the technology, and the team support to help you succeed. If you are looking for a lucrative career using your communication and interpersonal relationship‑building talents, apply today!

$60,000 - $75,000 yearly

• Meet sales expectations, generate new business, get referrals, and monitor sales pipeline
• Communicate with the senior mortgage loan officer/MLO to recommend mortgage loan products best suited for applicant’s financial status
• Assemble financial information to assist with loan applications, prepare loan files, and assess applicants’ financial situation and eligibility
• Collaborate with the mortgage lender or banker, underwriter, loan processor, senior MLO/mortgage loan originator, and realtors on behalf of the applicant as needed to ensure the transaction goes through successfully
• Educate loan applicants about various residential mortgage loans, answer questions and provide additional information to create personal relationships
• Conduct interviews with clients to understand their financial situation, needs, and loan preferences
• Prepare and deliver clear loan presentations that outline terms, conditions, and potential pricing scenarios
• Accurately price loan products and explain rates, fees, and options to clients
• Act as the point of contact for clients throughout the loan process, coordinating with processing and underwriting teams to ensure timely progression
• Build and maintain strong relationships with clients, aiming for high satisfaction and potential referrals
• Review all loan package documentation for discrepancies, omissions, and income calculation, then report any discrepancies to the loan originator
• Follow up and respond to customer and in‑house inquiries on transactions as needed to provide superior customer service

• Bachelor’s degree preferred, high school diploma or equivalent required
• Exceptional communication, sales, relationship, and MS Office skills necessary
• Intention to complete a training program to obtain NMLS/MLO/state license
• Previous experience with credit unions, lending institutions, real estate, financial services, or related fields is a bonus
• Understanding of loan program guidelines and various types of loans (FHA, commercial loans, VA, etc.) helpful but not required
• Advance comprehension of loan financing options such as Non‑QM, Foreign nationals, Conventional, FHA, VA, and Home Equity Loans
• Computer proficiency required, including MS Office; CRM, MLS, DU, and proprietary mortgage software preferred
• Ability to effectively work in a strong team‑oriented environment and provide outstanding communication and customer service to clients
• 3–5 years of professional office experience as a loan officer assistant or mortgage assistant preferred
• Understanding of state and federal legislation, underwriting rules, and processes

Cornerstone First Mortgage is a full‑service mortgage bank headquartered in San Diego, licensed in 49 states and Puerto Rico. All aspects of the loan process (processing, underwriting, and funding) are conducted in‑house. We have grown exponentially over the past few years and are always looking for driven and motivated individuals to join our team.

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