What are the responsibilities and job description for the Loan Officer position at Responsive Mortgage?
Summary
We are a fast-growing, client-focused lending team looking for a motivated mortgage professional who is passionate about helping people achieve homeownership through safe, smart financial products. The ideal candidate is disciplined, service-oriented, and thrives in a supportive yet high-performance environment.
You’ll join our Niceville office, working alongside some of the most respected leaders in the industry. Success in this role comes from delivering accurate, friendly, and professional service to clients and referral partners, while providing essential support to one or more producing Loan Officers.
Key Responsibilities
Client Support & Loan Applications
- Guide borrowers through the loan application process, explaining required information and qualification criteria.
- Take complete applications and collect all initial documentation.
- Run credit reports, loan pricing, and DU findings.
- Generate MI quotes (if needed) for loan files.
- Explain loan terms, policies, and product options in clear, simple language.
- Provide current loan rate information upon request.
- Request loan disclosures for pre-approvals or contracts.
- Assist clients in reviewing and signing disclosures.
Loan File Management
- Complete origination milestones in Encompass and submit documentation to processing.
- Ensure files include all required documents before handing off to the processor (e.g., tax returns, IDs, bank statements, income docs, award letters, DD214s, and explanation letters).
- Lock loans when ready and notify the processor and disclosure desk.
- Hold weekly pipeline review meetings with the processor and Loan Officer.
- Provide weekly updates to realtors and referral partners.
- Monitor loan progress and coordinate with processors, underwriters, and other staff.
Operational Excellence
- Attend and complete all required training.
- Stay up to date on lending guidelines, policies, procedures, and regulations.
- Maintain all licensing requirements.
- Deliver exceptional customer service at every stage.
- Perform other duties as assigned.
Qualifications
Required
- 3 years of mortgage lending experience.
- 2 years as a production Loan Partner preferred.
- Strong knowledge of mortgage products and loan types.
- Exceptional attention to detail and organizational skills.
- Strong oral and written communication skills.
- Ability to manage 30–60 active applications per month.
- Ability to work well under pressure.
- Outstanding work ethic and time management.
Preferred
- Bachelor’s or associate degree in finance, accounting, mathematics, or a related field.
- Encompass experience.
- Bilingual in English/Spanish.
Work Environment
- Office-based role with occasional travel (under 25%) for client meetings or closings.
- Light lifting (up to 25 lbs) may be required.
Pay: $63,900.00 - $107,000.00 per year
Work Location: In person
Salary : $63,900 - $107,000