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CF
Cardinal Financial Company, Limited Partnership
Mortgage Loan Originator Consumer Direct
Career Insights for Mortgage Loan Officer
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Based on Arizona data
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What they do
A Mortgage Loan Officer assists customers who apply for loans, and solicits loan applications on behalf of a bank, mortgage broker or credit union. Provides information on types of loans available, gathers financial and credit information needed to evaluate loan applications; guides the application and approval process. May partner with real estate agents to offer financing information to potential home buyers. May sell mortgage loans on commission.
$71,675 / year median in Arizona
-25% projected decline
Job Description
Mortgage Loan Originator Consumer Direct Cardinal Financial Company, Limited Partnership - 3.5 Chandler, AZ Job Details Full-time $60,674.47 - $150,000.00 a year 1 hour ago Benefits Health insurance 401(k) Qualifications Escrow Financial sales Interpersonal skills Financial software Typing Full Job Description Overview Join our dynamic team as a Mortgage Loan Originator in a fast-paced, consumer-focused environment! In this vital role, you will be the key driver in helping clients navigate the mortgage lending process, from initial inquiry to loan closing. Your expertise will empower homebuyers to achieve their dreams while ensuring compliance with industry regulations and delivering exceptional customer service. This position offers an exciting opportunity to leverage your sales skills, industry knowledge, and passion for financial services to make a meaningful impact every day. Duties Engage with prospective clients through inbound inquiries, guiding them through the mortgage loan process with enthusiasm and professionalism. Assess clients' financial situations by conducting credit analyses, verifying income, assets, and employment details to determine eligibility. Utilize Loan Origination Systems (LOS) and mortgage software such as Quicken to prepare, process, and track loan applications efficiently. Explain loan options clearly, negotiate terms with clients, and ensure all disclosures comply with TILA (Truth in Lending Act) and Fair Housing regulations. Collaborate closely with underwriters, processors, escrow officers, and mortgage servicing teams to facilitate smooth loan approvals and closings. Maintain up-to-date knowledge of FNMA (Fannie Mae) guidelines, banking regulations, and industry best practices to ensure compliance at every step. Build strong relationships with clients through excellent communication and personalized service, fostering trust and repeat business. Experience Proven experience as a Loan Officer or Mortgage Originator within retail or consumer direct lending environments. Strong understanding of mortgage lending processes, including underwriting, loan processing, and compliance with loan regulations such as TILA and RESPA. Familiarity with Loan Origination Systems (LOS), financial software like Quicken or similar platforms, and basic accounting principles. Demonstrated ability in negotiation, sales techniques, and relationship building within the financial services sector. Knowledge of fair housing laws, mortgage servicing procedures, escrow processes, and industry standards for credit analysis. Excellent math skills with the ability to perform accurate calculations quickly; proficiency in 10-key typing is preferred. Exceptional customer service skills combined with effective communication abilities to guide clients confidently through complex financial decisions. Embark on a rewarding career where your expertise fuels success—helping clients secure their futures while advancing your professional growth in a vibrant financial services environment!