What are the responsibilities and job description for the Residential Mortgage Loan officer position at Ameritrust Mortgage Corporation?
Residential Mortgage Loan Officer – NON-QM Specialist
Job Title
Residential Mortgage Loan Officer – NON-QM Specialist
Job Summary
We are seeking an experienced and motivated Residential Mortgage Loan Officer specializing in NON-QM (Non-Qualified Mortgage) lending to join our growing mortgage team. This role is ideal for a sales-driven professional with expertise in alternative income documentation, investor products, and complex borrower scenarios.
The ideal candidate has a strong understanding of NON-QM loan products, excellent relationship-building skills, and the ability to structure creative financing solutions for self-employed borrowers, real estate investors, foreign nationals, and clients who fall outside traditional agency guidelines.
Key Responsibilities
- Originate residential mortgage loans with a primary focus on NON-QM products.
- Develop and maintain relationships with real estate agents, builders, financial advisors, CPAs, and referral partners.
- Educate borrowers on NON-QM financing solutions, including:
- Bank Statement Loans
- DSCR Loans
- Asset Depletion Loans
- Interest-Only Loans
- Foreign National Programs
- Jumbo NON-QM Products
- Investor Cash Flow Loans
- Analyze borrower financials and structure loan scenarios that meet underwriting guidelines.
- Guide borrowers through the mortgage process from application to closing.
- Maintain compliance with federal, state, and company lending regulations.
- Generate self-sourced business through networking, marketing, and community outreach.
- Stay current on NON-QM lending guidelines, market trends, and investor overlays.
- Collaborate with processors, underwriters, and operations staff to ensure smooth loan closings.
Qualifications
- Active NMLS license required.
- Minimum 2 years of mortgage origination experience preferred.
- Proven experience originating NON-QM loans strongly preferred.
- Strong understanding of mortgage underwriting guidelines and loan structuring.
- Excellent sales, communication, and customer service skills.
- Ability to build and maintain referral relationships.
- Experience with mortgage CRM and LOS systems.
- Self-motivated with strong organizational and time management skills.
Preferred Experience
- Existing book of business and referral network.
- Experience working with self-employed borrowers and real estate investors.
- Knowledge of agency, government, jumbo, and NON-QM lending products.
- Strong understanding of income analysis and alternative documentation programs.
Compensation & Benefits
- Competitive commission structure with uncapped earning potential.
- Marketing and operational support.
- Access to a wide range of NON-QM and investor loan products.
- Health, dental, and vision benefits (if applicable).
- Remote and hybrid opportunities available.
- Training and professional development support.
Why Join Us
- Industry-leading NON-QM product portfolio.
- Fast underwriting and operational support.
- Entrepreneurial and growth-focused environment.
- Opportunity to work with underserved borrower segments and expand earning potential.
Equal Opportunity Employer
We are an Equal Opportunity Employer committed to creating a diverse and inclusive workplace for all employees and applicants.
With a strong focus on innovation, relationship-building, and customer satisfaction, Ameritrust Mortgage offers a broad range of mortgage products, including Conventional, FHA, VA, Jumbo, and specialized NON-QM loan programs designed to serve self-employed borrowers, real estate investors, and clients with unique financial profiles.
Our team is committed to delivering fast, transparent, and reliable mortgage solutions while providing borrowers and referral partners with expert guidance throughout the lending process. Backed by experienced leadership, advanced technology, and a customer-first approach, Ameritrust Mortgage empowers loan professionals to succeed in today’s evolving mortgage market.
At Ameritrust Mortgage, we believe in building lasting relationships, supporting professional growth, and creating opportunities for both our clients and our team members to thrive.
Salary : $1,000 - $250,000