What are the responsibilities and job description for the Licensed Loan Officer position at Cardinal Financial Company, Limited Partnership?
Company Description Cardinal Financial Company, Limited Partnership is a modern home lending company focused on ending mortgage complexity through its proprietary Octane® living loan engine. By combining advanced automation with experienced mortgage professionals, the company delivers Speed to Mortgage™ with transparent approvals, accurate figures, and a clear path from application to closing. Operating in all 50 states, Cardinal Financial emphasizes innovation, ethical lending practices, and a commitment to doing what is right for borrowers. Recognized as a Great Place to Work® Certified company for multiple consecutive years, Cardinal Financial fosters a supportive, growth-oriented work environment. The company is an Equal Housing Opportunity Lender headquartered in Charlotte, NC, with licensing information available through NMLS Consumer Access.
Role Description This is a full-time, on-site Licensed Loan Officer role based in Phoenix, AZ. The Licensed Loan Officer will guide borrowers through the mortgage process from initial inquiry to closing, including gathering financial documentation, evaluating borrower eligibility, and presenting appropriate loan products. The role involves originating residential mortgage loans, structuring applications in line with company guidelines, and collaborating with underwriting, processing, and closing teams to ensure timely, accurate approvals. The Licensed Loan Officer will provide responsive customer service, explain loan terms and regulatory requirements, and maintain compliance with federal, state, and company lending standards. Daily activities also include building and managing a pipeline of clients, maintaining detailed records in loan systems, and contributing to a positive, ethical lending culture.
Qualifications
- Candidates should possess skills and experience related to Loan Officers and Loan Origination, including managing a loan pipeline and guiding applicants from application to closing.
- Candidates should possess Finance-related skills, such as analyzing borrower financial information, assessing creditworthiness, and understanding mortgage products and pricing.
- Candidates should possess Underwriting-related skills, including familiarity with underwriting guidelines, documentation requirements, and risk assessment fundamentals.
- Candidates should possess Customer Service skills, including clear communication, responsiveness, and the ability to explain complex lending concepts in an accessible manner.
- Active mortgage loan officer license (NMLS) in applicable jurisdictions, or ability to obtain and maintain required licensing.
- Knowledge of federal and state mortgage lending regulations and compliance standards.
- Strong attention to detail, organizational skills, and proficiency with loan origination systems and basic office software.
- Prior experience in residential mortgage lending or a related financial services role is highly beneficial; bilingual communication skills are a plus.