Loan Officer

We are seeking an experienced mortgage loan officer with strong marketing, communication, and analysis skills to join our team and assist loan applicants in securing the ideal mortgage for their new home purchase. Our organization provides the support and tools you need to bring your business to the next level. If you are passionate about providing top‑notch service to clients and have a proven track record of retaining and building a client list, please start your application today!

• Manage a large pipeline of loans to ensure your production meets our requirements
• Oversee all customer interactions and ensure a smooth transaction by interfacing with realtors, processors, and underwriters
• Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large
• Counsel borrowers to understand the pros and cons of different loan products to determine which is best for them
• Work closely with industry related professionals to gather and prepare all necessary information to complete underwriting requirements
• Proactively engage Buyer Leads generated by Empower Home Lead Generation pillars, presenting the value of working with Empower Home Mortgage in conjunction with Empower Home Teams, and scheduling appointments to complete and/or review loan applications submitted
• Maintain accurate calendar availability, blocking when not available to take appointments that are booked by the Empower Home Inside Sales Department
• Complete telephone, mail‑away, and face‑to‑face Loan Applications with clients and approve loan disclosures for distribution to clients. All required fields in the application must be completed, including all third‑party information, before approval
• Determine proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.)
• Price, loan, and lock rates as per the Company policy
• Review returned applications and documentation for completeness, accuracy, and compliance
• Run AUS and review findings and required documentation
• Prepare requested Pre‑Qualifications as per Company policy. Order credit reports, appraisals, and title requests. Conduct regular follow‑ups with clients and referral sources
• Maintain regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required
• Submit the loan file, allowing for stated turn times
• Maintain a pipeline of all loans in process, track their progress, and meet all contractual deadlines
• Meet or exceed minimum production requirements
• Complete annual Business Plan and meet regularly with the Branch Manager
• Keep informed of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government‑insured mortgages
• Maintain a professional image and standards consistent with company policies and procedures
• Report to the Branch Manager

• Maintain current registration with the National Mortgage Licensing System Registry
• 3‑5 years of real estate, mortgage origination, or lending experience required
• Bachelor’s degree from a four‑year college or university required in banking, business, real estate, or a related field
• Strong understanding of company loan policies and guidelines, as well as all federal and state regulations
• Familiarity with multiple types of loans such as conventional, fixed/adjustable, FHA, VA, USDA, bridge, non‑conforming, FNMA and FHLMC, and Home Equity Lines of Credit
• Minimum of 2 years of loan officer experience, or industry equivalent, or a Branch Manager, deems history acceptable
• NMLS registration required
• Proven ability to read, write, and communicate at a level consistent with the requirements of this position and to generate independent leads for new business and professionally communicate with existing and past clients
• Working knowledge of standard loan products in the industry and strong familiarity with underwriting guidelines
• High school or equivalent (Preferred)
• Fair Housing regulations: 1 year (Preferred)
• Sales: 2‑3 years (Preferred)
• Loan origination: 1 year (Required)

$100,000+ Commission Based Pay Annually

$100,000 per year