What are the responsibilities and job description for the Senior Mortgage Loan Officer position at Luminate Bank?
Company Description Luminate Bank® is a national, digital-first financial partner focused on supporting customers through every stage of their financial journey. The bank offers innovative lending solutions, full-service digital banking, and personalized guidance to help individuals and families move forward with clarity and confidence. With a commitment to a seamless experience and thoughtful support, Luminate Bank serves customers regardless of where they live. The organization emphasizes real progress on customers’ terms and promotes a “Bank Brighter. Together.” philosophy that values collaboration and long-term success.
Role Description The Senior Mortgage Loan Officer is a full-time, on-site role based in Spokane, WA, responsible for originating and managing residential mortgage loans from initial contact through closing. This role includes building and maintaining relationships with clients, real estate professionals, and internal partners, while providing clear, timely guidance throughout the loan process. Day-to-day responsibilities involve assessing borrower needs, collecting and reviewing financial documentation, collaborating with underwriting and processing teams, and ensuring all loans comply with regulatory and internal guidelines. The Senior Mortgage Loan Officer will also monitor pipeline activities, follow up on leads, and proactively identify opportunities to support customers with the most suitable mortgage solutions. This position requires consistent, high-quality customer service and a strong focus on meeting production goals while upholding ethical lending practices.
Qualifications
Role Description The Senior Mortgage Loan Officer is a full-time, on-site role based in Spokane, WA, responsible for originating and managing residential mortgage loans from initial contact through closing. This role includes building and maintaining relationships with clients, real estate professionals, and internal partners, while providing clear, timely guidance throughout the loan process. Day-to-day responsibilities involve assessing borrower needs, collecting and reviewing financial documentation, collaborating with underwriting and processing teams, and ensuring all loans comply with regulatory and internal guidelines. The Senior Mortgage Loan Officer will also monitor pipeline activities, follow up on leads, and proactively identify opportunities to support customers with the most suitable mortgage solutions. This position requires consistent, high-quality customer service and a strong focus on meeting production goals while upholding ethical lending practices.
Qualifications
- Demonstrated expertise as a Loan Officer with progressive responsibility in the Mortgage Industry.
- Strong knowledge of Mortgage Lending products, guidelines, and processes, including conventional, FHA, VA, and other loan programs.
- Familiarity with basic Underwriting principles, risk assessment, and documentation requirements to support sound credit decisions.
- Proven Customer Service skills, including clear communication, responsiveness, and the ability to build trust with diverse clients.
- Track record of meeting or exceeding mortgage production targets in a bank or lending environment.
- Ability to interpret and apply federal, state, and local mortgage regulations and compliance standards.
- Proficiency with mortgage origination systems and standard office software; comfort working in a digital-first environment.
- Strong analytical, organizational, and time-management skills, with attention to detail in documentation and follow-through.
- Ability to collaborate effectively with underwriting, processing, closing, and branch teams in an on-site setting.
- High school diploma or equivalent required; bachelor’s degree in business, finance, or related field preferred.
- Valid mortgage loan originator license (MLO) as required by applicable regulations.