Job Summary We are seeking a dynamic and detail-oriented Mortgage Loan Officer to join our financial services team. In this role, you will be the key point of contact for clients seeking mortgage financing, guiding them through the loan origination process with enthusiasm and professionalism. Your expertise in mortgage lending, industry regulations, and customer relationship building will ensure a seamless experience for clients while maintaining compliance with all relevant policies and standards. This position offers an exciting opportunity to leverage your sales skills and industry knowledge to help clients achieve their homeownership goals. Responsibilities Assist clients in understanding mortgage options, including loan products, interest rates, and repayment terms, ensuring clear communication aligned with Fair Housing regulations. Evaluate borrower financial information through credit analysis, income verification, and debt-to-income ratio assessments to determine loan eligibility. Utilize Loan Origination Systems (LOS) and mortgage servicing software to process applications efficiently from initial inquiry through approval. Conduct negotiations with clients to secure favorable loan terms while adhering to compliance with loan regulations such as TILA (Truth in Lending Act) and FNMA (Fannie Mae) guidelines. Collaborate with underwriters, processors, and other team members to facilitate smooth loan processing and underwriting workflows. Maintain up-to-date knowledge of industry trends, banking regulations, and mortgage products to provide expert guidance on retail lending opportunities. Build strong relationships with clients through exceptional customer service, ensuring ongoing support during the loan lifecycle including escrow management and mortgage servicing. Skills Proven experience as a Loan Officer or in mortgage lending with a solid understanding of industry regulations such as Fair Housing laws, TILA, and FNMA standards. Excellent negotiation skills combined with sales expertise to promote mortgage products effectively. Proficiency in Loan Origination Systems (LOS), financial software, accounting software, and basic math skills including 10-key typing for data entry accuracy. Strong credit analysis capabilities along with commercial lending analysis experience in risk assessment and credit evaluation. Knowledge of banking regulatory compliance, mortgage servicing procedures, escrow processes, and industry best practices in financial services. Exceptional client communication skills with an emphasis on relationship building in financial sales environments. Ability to perform detailed loan processing tasks while adhering to compliance standards related to TILA and other federal or state regulations. Familiarity with mortgage underwriting procedures, loan processing steps, and the use of financial software tools for effective loan origination management. Join us in delivering outstanding mortgage solutions that empower our clients' dreams of homeownership! We are committed to fostering a vibrant work environment where your expertise makes a meaningful difference every day.

Job Type:

Full-time Pay:

$48,000.00 - $69,289.12 per year

Work Location:

In person