Job Summary
We are seeking dynamic and licensed Mortgage Loan Officers to join our growing financial services team. In this role, you will be the key point of contact for clients seeking mortgage solutions, guiding them through the loan process with professionalism and expertise. Your energetic approach will help clients understand their options, ensure compliance with industry regulations, and facilitate smooth loan origination and servicing. This position offers an exciting opportunity to build lasting relationships while helping individuals and families achieve their homeownership goals.
Duties
- Assist clients in evaluating their mortgage needs by analyzing financial information and credit reports to determine suitable loan options.
- Guide clients through the entire loan process, from application submission to approval, ensuring adherence to all Fair Housing regulations and compliance standards such as TILA (Truth in Lending Act).
- Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently, maintaining accurate records and documentation throughout the loan lifecycle.
- Negotiate terms with borrowers, lenders, and third-party vendors to secure favorable loan conditions while adhering to industry standards and regulatory requirements.
- Conduct credit analysis and risk assessments for both residential and commercial lending opportunities, ensuring sound lending decisions.
- Collaborate with underwriters, processors, escrow officers, and mortgage servicing teams to facilitate seamless loan approval and closing procedures.
- Maintain up-to-date industry knowledge of mortgage lending regulations, FNMA (Fannie Mae) guidelines, banking practices, and financial compliance standards.
- Build strong relationships with clients through excellent customer service, clear communication, and ongoing support during the loan process.
- Stay informed about market trends in retail lending, mortgage regulations and financial services to provide expert advice to clients.
Skills
- Proven experience as a Loan Officer within mortgage lending environments.
- Strong negotiation skills with the ability to present complex financial information clearly and persuasively.
- Proficiency with Loan Origination Systems (LOS) and TILA compliance tools.
- Deep understanding of Fair Housing regulations, FNMA guidelines, mortgage servicing procedures, escrow processes, and industry-specific legal contracts.
- Excellent math skills including basic math operations and 10-key typing accuracy for processing applications efficiently.
- Knowledge of credit analysis techniques, underwriting procedures, and risk assessment for residential loans.
- Exceptional customer service abilities with a focus on relationship building in financial sales environments.
- Familiarity with banking regulatory compliance standards related to mortgage lending and financial services industry knowledge of relevant regulations.
- Ability to communicate effectively with clients about loan options, contracts, escrow details, and repayment terms.
Join us as a Licensed Mortgage Loan Officer if you’re passionate about helping people secure their dream homes while advancing your career in a fast-paced, rewarding environment!
Pay: $1,000.00 - $20,000.00 per month
Benefits:
- Flexible schedule
- Professional development assistance
- Work from home
Experience:
- mortgage loan: 1 year (Required)
License/Certification:
- NMLS License in Michigan (Required)
Work Location: Remote
