Mortgage Loan Officer; w

We are seeking an experienced Mortgage Loan Officer with at least five years of mortgage lending experience to originate, develop, and manage residential mortgage loan business. The ideal candidate will have a strong network of referral partners, extensive knowledge of mortgage products and regulations, and a proven track record of meeting production goals while providing exceptional customer service.

• Originate residential mortgage loans including conventional, FHA, VA, USDA, and jumbo loan products.
• Generate new business through referrals, networking, real estate agents, builders, financial planners, and community outreach.
• Guide borrowers through the mortgage application process from pre-qualification to closing.
• Analyze borrowers' financial information, credit profiles, income, assets, and liabilities to determine loan eligibility.
• Recommend appropriate loan products based on clients' financial goals and circumstances.
• Maintain compliance with federal, state, and company lending regulations and policies.
• Collaborate with processors, underwriters, and closing teams to ensure smooth and timely loan closings.
• Monitor loan pipelines and proactively communicate with clients regarding loan status and documentation requirements.
• Meet or exceed monthly and annual loan production goals.
• Stay current on market trends, interest rates, mortgage products, and regulatory changes.

• Minimum 5 years of mortgage lending or mortgage origination experience.
• Proven history of successful loan production and business development.
• Strong understanding of mortgage underwriting guidelines and loan programs.
• Knowledge of federal and state lending regulations, including RESPA, TILA, ECOA, and Fair Lending requirements.
• Excellent communication, negotiation, and relationship-building skills.
• Proficiency with loan origination systems (LOS), CRM platforms, and mortgage technology tools.
• Ability to manage multiple transactions and deadlines in a fast-paced environment.

• Established referral network with real estate professionals and industry partners.
• Bachelor's degree in Finance, Business, Economics, or related field.
• Experience with both purchase and refinance transactions.
• Bilingual skills are a plus.

• Monthly loan volume and funded units.
• Conversion rate from application to closing.
• Customer satisfaction and referral generation.
• Compliance and quality control performance.
• Growth of referral partner relationships.

• Competitive base salary plus commission structure.
• Performance-based incentives and bonuses.
• Benefits package including health insurance, retirement plan, paid time off, and professional development opportunities.