Job Summary We are seeking a dynamic and detail-oriented Loan Officer to join our financial services team. In this role, you will be responsible for guiding clients through the loan process, assessing their financial needs, and providing tailored lending solutions that meet both client goals and regulatory standards. Your expertise in mortgage lending, retail lending, and commercial lending analysis will drive successful loan origination and customer satisfaction. This position offers an exciting opportunity to build strong client relationships while ensuring compliance with industry regulations and internal policies. A proactive attitude, excellent communication skills, and industry knowledge are essential to thrive in this energetic environment. Duties Evaluate loan applications by analyzing credit reports, financial statements, and collateral documentation to determine borrower eligibility Conduct thorough credit analysis, risk assessment, and underwriting to ensure compliance with FNMA (Fannie Mae) guidelines, TILA (Truth in Lending Act), and other federal regulations Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently from initial contact through approval and funding Negotiate terms with clients while adhering to fair housing regulations and industry standards, ensuring mutually beneficial agreements Maintain ongoing communication with clients throughout the loan process, providing updates and clarifying contractual details Ensure all loan documentation complies with banking regulatory requirements and internal policies for financial services Collaborate with mortgage servicing teams to manage escrow accounts, contracts, and loan servicing activities effectively Perform credit analysis using basic math skills and accounting software to evaluate borrower risk accurately Stay current on industry knowledge of financial regulations related to mortgage lending, retail lending, commercial lending, and banking compliance Experience Proven experience as a Loan Officer or in a similar financial sales role within banking or mortgage industries Strong understanding of mortgage servicing, loan processing, underwriting procedures, and loan origination systems (LOS) Demonstrated ability in negotiation, relationship building in financial sales, and client communication Familiarity with FNMA guidelines, fair housing regulations, TILA compliance, and banking regulatory standards Experience with commercial lending analysis focusing on risk assessment and credit evaluation is preferred Proficiency with financial software applications such as accounting tools or specialized loan origination platforms Excellent math skills including 10-key typing accuracy for data entry tasks Knowledge of escrow processes, contracts management, and mortgage services procedures is advantageous Bilingual in Spanish & English a Plus! Join us to become a vital part of a vibrant team dedicated to delivering exceptional financial solutions. Your expertise will help clients achieve their goals while ensuring strict adherence to industry standards. We value proactive professionals who thrive on building relationships and navigating complex regulatory environments, your future starts here!

Pay:

$85,000.00 per year

Work Location:

In person