Mortgage Loan Officer

We are seeking a dynamic and licensed Mortgage Loan Officer to join our dedicated team of financial professionals. In this role, you will be the key point of contact for clients seeking mortgage solutions, guiding them through the loan process with expertise and enthusiasm. Your energy and industry knowledge will help clients navigate complex financial options, ensuring a smooth and positive experience from application to closing.

This position offers an exciting opportunity to build lasting client relationships while adhering to all regulatory standards and compliance requirements.

Responsibilities

• Engage with clients to assess their mortgage needs, providing clear explanations of loan options and guiding them through the loan origination process.
• Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently and accurately.
• Conduct credit analysis, underwriting support, and risk assessments in compliance with FNMA (Fannie Mae) guidelines and fair housing regulations.
• Negotiate terms with clients, real estate agents, and other stakeholders to secure favorable loan agreements while maintaining compliance with TILA (Truth in Lending Act) and other federal regulations.
• Manage mortgage servicing tasks, including escrow account setup, loan processing, and ongoing client communication to ensure customer satisfaction.
• Stay informed about industry trends, banking regulations, and financial compliance standards to provide expert advice and maintain industry knowledge.
• Build strong relationships through excellent customer service, effective communication, and proactive follow-up throughout the loan lifecycle.

Requirements

• Valid mortgage license in accordance with state licensing laws; prior experience as a licensed mortgage loan officer is essential.
• Demonstrated expertise in mortgage lending, retail lending, commercial lending analysis, and risk assessment.
• Proficiency with Loan Origination Systems (LOS), accounting software, financial software, and basic math skills including 10-key typing accuracy.
• Deep understanding of fair housing regulations, TILA disclosures, FNMA guidelines, and banking regulatory compliance standards.
• Strong negotiation skills combined with excellent client communication abilities to foster trust and clarity.
• Knowledge of mortgage servicing processes, escrow management, credit analysis, underwriting procedures, and loan processing workflows.
• Ability to analyze financial documents accurately while adhering to industry regulations related to loans and contracts.
• Exceptional relationship-building skills within financial sales environments; experience in customer service is highly valued.

Join us as a Licensed Mortgage Loan Officer if you’re passionate about helping clients achieve their home ownership goals while thriving in a fast-paced, energetic environment dedicated to excellence!

• 401(k)
• Health insurance
• Paid time off
• Referral program
• Vision insurance
• Work from home