Mortgage Loan Officer 1stRate Fort Lauderdale, FL Job Details Full-time $58,095.50 - $69,964.48 a year 1 hour ago Benefits Health insurance Qualifications Customer communication Financial sales Interpersonal skills Basic math Attention to detail Customer relationship management Full Job Description Job Summary We are seeking a dynamic and motivated Mortgage Loan Officer to join our growing financial services team. In this role, you will be the key point of contact for clients seeking mortgage solutions, guiding them through the loan origination process with enthusiasm and expertise. Your energetic approach will help clients understand their options, navigate complex regulations, and secure the best mortgage products tailored to their needs. You will leverage your industry knowledge and relationship-building skills to foster trust and deliver exceptional customer service while ensuring compliance with all relevant regulations. This position offers an exciting opportunity to make a meaningful impact in clients' lives by helping them achieve their homeownership goals. Responsibilities Engage with prospective clients to assess their financial situation and identify suitable mortgage options, emphasizing sales techniques and client relationship building. Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently, ensuring accuracy in data entry and documentation. Conduct credit analysis, income verification, and underwriting support to evaluate borrower eligibility while adhering to FNMA (Fannie Mae) guidelines and industry standards. Explain complex loan terms, fair housing regulations, TILA (Truth in Lending Act), and other compliance requirements clearly and transparently to clients. Negotiate loan terms with borrowers and third-party stakeholders, ensuring mutual satisfaction while maintaining compliance with mortgage servicing regulations. Collaborate with underwriters, processors, escrow officers, and other team members to facilitate smooth loan processing from application through closing. Maintain up-to-date knowledge of mortgage lending regulations, banking compliance standards, and industry best practices to ensure ethical practices and regulatory adherence. Experience Proven experience as a Loan Officer or Mortgage Originator within retail or commercial lending environments. Strong understanding of mortgage lending processes, including loan origination systems (LOS), underwriting, processing, and servicing. Demonstrated ability in negotiation, credit analysis, financial sales, and relationship building within the financial services sector. Familiarity with banking regulatory compliance including fair housing laws, TILA disclosures, FNMA guidelines, and mortgage servicing standards. Proficiency in using accounting software, escrow management tools, financial software applications, and basic math skills for accurate calculations. Excellent client communication skills coupled with a thorough understanding of industry knowledge of financial regulations and risk assessment in commercial lending analysis. Ability to handle multiple tasks efficiently while maintaining attention to detail in loan processing activities. Join us as a Mortgage Loan Officer if you're passionate about helping clients navigate the complexities of home financing while delivering exceptional service rooted in industry expertise!

Pay:

$58,095.50 - $69,964.48 per year

Benefits:

Health insurance

Work Location:

In person