Loan Officer

Job Overview We are seeking a knowledgeable and customer-focused Loan Officer to join our financial services team. The ideal candidate will play a vital role in guiding clients through the loan process, ensuring compliance with industry regulations, and providing exceptional service. This position offers an opportunity to work in a dynamic environment where your expertise in mortgage origination, loan processing, and credit analysis will contribute to helping clients achieve their financial goals. Prior experience in mortgage servicing, underwriting, and familiarity with FNMA guidelines are highly valued. Duties Evaluate client financial information to determine loan eligibility and suitability Assist clients with loan origination processes, including application submission and documentation collection Conduct credit analysis and assess risk based on credit reports and financial data Ensure compliance with TILA, Fair Housing regulations, and other federal and state laws Prepare and review contracts, disclosures, and other legal documents related to loans Collaborate with underwriters and mortgage servicing teams to facilitate smooth loan approval workflows Utilize financial software such as Quicken, accounting software, and specialized mortgage platforms for processing applications Negotiate loan terms with clients while maintaining adherence to company policies and industry standards Maintain up-to-date knowledge of FNMA guidelines, escrow procedures, and banking regulations Provide excellent customer service by addressing client inquiries promptly and professionally Keep detailed records of all loan transactions using 10-key typing skills and accurate data entry Skills Proven experience as a Loan Officer for at least 3 years experience Strong negotiation skills to effectively communicate loan options and terms to clients Knowledge of FNMA guidelines, mortgage servicing, underwriting, escrow processes, and fair housing regulations Proficiency with financial software such as Quicken, accounting software, and specialized mortgage platforms Ability to perform credit analysis, contract review, and basic math calculations accurately Excellent customer service skills with the ability to explain complex financial concepts clearly Familiarity with TILA disclosures, loan processing procedures, and banking operations Competency in 10-key typing for efficient data entry and record keeping Strong understanding of financial services regulations and compliance standards This role is ideal for candidates who are detail-oriented, proactive problem-solvers with a passion for helping clients navigate the complexities of home financing. Prior experience in loan origination or mortgage lending is preferred. Job Type: Full-time Benefits: Flexible schedule Life insurance Paid time off Vision insurance Work Location: In person