Mortgage Loan Officer

Position Overview

In this role, you will originate mortgage and home equity loans by building relationships, identifying customer needs, and guiding borrowers through the lending process from application to closing. You’ll serve as the primary point of contact and play a key role in growing our lending portfolio.

• Serve as the primary contact for customers throughout the loan process
• Assist borrowers in selecting the right loan program and completing applications
• Gather and review supporting documentation to initiate loan processing
• Conduct preliminary underwriting review, including credit analysis
• Provide clear, consistent guidance from application through closing
• Build and maintain strong referral relationships (realtor, builders, community partners, etc.)
• Proactively generate new loan opportunities through networking and outreach
• Maintain knowledge of loan products, pricing, and underwriting guidelines for mortgages, home equity loans, and home equity lines of credit
• Ensure compliance with all federal lending regulations (TILA, RESPA, etc.)

• Strong relationship‑building and communication skills
• Strong knowledge of all consumer regulations, including Regulation B, G and Z, Uniform Commercial Code, FHLBB, FSLIC, RESPA, HPA, HMDA, TILA, Privacy and Fair Lending laws.
• A professional, approachable, and customer‑focused demeanor
• Ability to analyze financial information and make sound recommendations
• Working knowledge of mortgage processing, underwriting, and closing procedures for both secondary market and in‑house loans
• Ability to maintain discretion and confidentiality
• High level of accuracy, focus, and timeliness
• Proficiency in Microsoft Outlook, Word, and Excel

• Health insurance
• 401(k) matching
• Paid time off
• Health savings account
• Dental insurance
• Life insurance
• Employee assistance program
• Disability insurance
• Volunteer time off
• Paid holidays

• High School Diploma or equivalent
• Associate’s degree in business, finance or related field, preferred
• Minimum 5 years of mortgage loan origination/sales experience
• Active NMLS registration (or ability to obtain) under the S.A.F.E. Act

First Security Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, ethnicity, gender, sexual orientation, gender identity, national origin, veteran status, or disability.