Loan Officer

Company Description

Home Town Lending is a community-focused mortgage lender dedicated to helping individuals and families achieve their home ownership goals. Based in Addison, TX, the organization offers a range of residential loan products designed to meet diverse financial needs. Home Town Lending emphasizes personalized service, transparent lending practices, and long-term client relationships. Team members collaborate closely to deliver efficient, compliant, and customer-centered lending solutions in a supportive work environment.

The Loan Officer role at Home Town Lending is a hybrid position based in Addison, TX, with flexibility for partial work from home. In this role, the Loan Officer consults with prospective and existing borrowers, evaluates their financial profiles, and recommends appropriate loan products. Day-to-day responsibilities include taking loan applications, gathering and reviewing documentation, coordinating with underwriting, and ensuring files meet regulatory and company guidelines.

The Loan Officer communicates regularly with clients, real estate partners, and internal teams to provide status updates, address questions, and support a smooth closing process. This role also involves generating new business through networking and referral relationships, while maintaining accurate records and adhering to compliance standards.

• Experience in Loan Officer or similar lending roles, with a strong understanding of mortgage loan processes.
• Knowledge of finance principles, including income analysis, credit evaluation, and debt-to-income calculations.
• Familiarity with underwriting guidelines and documentation requirements to support accurate and compliant loan files.
• Customer service skills, including clear communication, responsiveness, and the ability to build trust with borrowers.
• Loan origination skills, including prospecting, application intake, and pipeline management.
• Strong attention to detail, organization, and ability to manage multiple files and deadlines.
• Proficiency with loan origination systems and common office software tools.
• Ability to work both independently and collaboratively in a hybrid work environment.
• Relevant state licensing and registrations as required for mortgage loan origination.
• Prior experience in residential mortgage lending or banking is preferred.