Mortgage Loan Officer

Mortgage Loan Officer:Job SummaryA Mortgage Loan Officer (MLO) is responsible for guiding clients through the entire mortgage loan process, from initial application to closing. This role involves assessing applicants' financial situations, explaining loan products, and managing the necessary documentation while ensuring compliance with federal and state regulations. A successful MLO combines strong sales and customer service skills with a deep understanding of lending procedures to build a network of clients and referral partners.ResponsibilitiesOrigination and Sales:Proactively generate leads and develop new business through a network of real estate agents, builders, and community partners.Interview applicants to determine their financial needs and explain the various mortgage products available, such as FHA, VA, conventional, and reverse mortgages.Advise and pre-qualify potential borrowers to find the loan options that best fit their individual financial situations.Application and Underwriting:Collect, organize, and analyze all required financial documentation, including credit history, income, and assets.Utilize loan origination software to submit applications and monitor their status.Collaborate with underwriters, processors, and appraisers to ensure timely loan approval and closing.Customer Service and Communication:Maintain an open line of communication with applicants, providing regular updates throughout the process.Answer customer questions clearly and accurately, building trust and ensuring a positive borrowing experience.Resolve any issues or challenges that arise during the loan process to ensure client satisfaction and retention.Compliance and Knowledge:Stay current on mortgage industry trends, market conditions, and changes to federal and state lending regulations.Ensure all applications and processes comply with rules set by agencies such as the Consumer Financial Protection Bureau (CFPB).Maintain an active Mortgage Loan Originator (MLO) license.Skills and QualificationsRequired Skills:Active MLO license, in the process of getting MLO license or has worked closely with MLO’s and willing to get license.Proven sales or lending experience with a track record of meeting or exceeding goals.Excellent verbal and written communication skills to explain complex financial information.Strong interpersonal and customer service skills to build and maintain relationships.Exceptional organizational skills and attention to detail to manage a pipeline of applications.Proficiency with computers and loan origination software (e.g., Calyx Point, Encompass).Preferred Qualifications:Bachelor's degree in finance, business, or a related field.Experience in mortgage lending, closing, underwritingExperience with specific loan types, such as FHA, VA, or USDA loans.Demonstrated ability to generate sales leads and develop a referral network.Competitive Commission Structure80/20 commission split (MLO/Brokerage) for experienced LO’s.  Great split for less experienced with huge opportunity to build commission split as experience and production is gained.Increases on the split based on volume or tenure.Bonuses for reaching certain volume milestones.Flexible Work EnvironmentRemote or hybrid work options.No strict office hours or quotas.Autonomy to run your own business with company support.Strong Lead SupportEducate how to partner with local real estate agents or builders.Use lead generation tools (e.g., Zillow, LendingTree, Facebook Ads).MLO’s can co-market using your branding and resources.Tech Stack and Operations SupportMarketing automation (emails, SMS, pipeline management).AI powered tech support tools.Extensive marketing resources.Lending Support: Handles the initial file submission and ensures a smooth transaction supporting state specific requirements.TRAC (Title Review and Closing): A specialized team that reviews titles and closes loans efficiently.Closing: Meticulously inspects the loan file for accuracy and communicates with third parties to verify closing costs.Post-Closing: Handles final documentation, ensuring compliance with guidelines after the loan has closed.Servicing: Loan servicing in-house with lender, utilizing technology from ICE Mortgage Technology to enhance the borrower experience. Training & Licensing SupportHelp with state licensing and navigating NMLS4 weeks of online training to get your MLO license and 3 days of immersive on-site development training.Ongoing training, especially with non-QM, FHA, USDA, VA, etc.Mentorship if transitioning from a bank environment or if new to the industry.Local Market FocusSpecialize in rural lending, USDA, or energy-efficient loans.Offers custom programs for self-employed borrowers, seasonal workers, or vacation home buyers.Community-focusedTransparent Culture & ValuesPossibility for ownership opportunities.Collaborate together in business planning, pricing, and marketing.Possibility for partnership and/or profit sharing.Sign-On Bonus A sign on bonus of $3,000 to $5,000 after 3 months of production, depending on production.Niche Product AccessAccess to a wide range of lendersAccess to specialty lenders for tough deals (DSCR, bank statement loans).Local programs (first-time buyer grants, energy loans, etc.).Multi-State Support Will pay for NMLS licensing fees in other states if interested.Will help expand market and earnings."We’re a boutique mortgage brokerage focused on helping people achieve homeownership with a personal touch. We offer top-tier commission splits, complete remote flexibility, and the support of a full processing and closing team. Whether you're looking for more autonomy, better pay, or the ability to work across multiple states — we help you grow your brand, not just ours!"