Mortgage Loan Officer

Department: Mortgage Lending Department Reports To: Mortgage Lending Sales Manager

Position Summary:

This position is responsible for driving mortgage production through strong referral partnerships, exceptional member service, and expert loan guidance. This role originates residential mortgage loans, builds relationships with builders and realtors, and delivers a seamless mortgage experience from application through funding.

Responsibilities:

• Drive mortgage production by generating referrals from retail centers, builders, realtors, and community partners.
• Participate in business development and community events as needed, including occasional weekends.
• Interview and prequalify mortgage applicants, ensuring accurate and complete loan applications.
• Submit applications to processing and underwriting, including TBD underwriting when appropriate.
• Evaluate borrower eligibility in accordance with FHA, VA, Conventional, and non-conforming guidelines.
• Assist borrowers in gathering documentation required to meet underwriting conditions.
• Maintain proactive communication with borrowers, realtors, and internal partners.
• Educate borrowers on mortgage guidelines, DTI, PITIA, and product options.
• Manage an efficient loan pipeline while meeting established production goals.
• Ensure loan files comply with internal policies, investor requirements, and regulatory standards.
• Conduct routine branch visits to support referral channels.
• Cross-sell loan products and deposit accounts.

Experience and Skills:

• Minimum 3 years of residential mortgage origination experience.
• Experience with FHA, VA, Conventional, and non-conforming portfolio products preferred.
• Strong understanding of lending guidelines and mortgage calculations (DTI, PITIA).
• Ability to use mortgage LOS and AUS systems.
• Active NMLS registration required.
• Ability to thrive in a high-volume, fast-paced environment
• Professionalism and composure under pressure.
• Strong commitment to service excellence and achieving results.
• Bilingual skills preferred.

Education:

• Bachelor’s degree in Business, Marketing or related field is preferred.

ADA Requirements:

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.