Mortgage Loan Originator

Job Description

Job Description

We are looking for a skilled, detail-oriented Mortgage Loan Originator to support members throughout the home financing process. This position focuses on guiding borrowers to suitable loan solutions, building trusted relationships with referral partners, and delivering a responsive, high-quality experience from application through closing. The ideal candidate combines strong analytical judgment with a service-driven approach and a deep understanding of mortgage origination standards and regulatory requirements.

Responsibilities:

• Build and maintain productive relationships with members, real estate contacts, title partners, and other referral sources to encourage repeat business and new lending opportunities.

• Manage a pipeline of mortgage applications from initial inquiry through handoff to operations, ensuring timelines, service expectations, and production goals are consistently achieved.

• Evaluate borrower income, assets, credit, and overall financial profiles to structure loan options that align with individual goals and repayment capacity.

• Prepare complete and accurate loan applications, generate required disclosures promptly, and ensure files are documented in accordance with lending guidelines and compliance standards.

• Use automated underwriting tools and current program knowledge to assess eligibility, identify viable financing solutions, and address more complex borrowing scenarios.

• Communicate clearly with members throughout the lending process, providing timely updates, answering questions, and helping create a smooth and informed experience.

• Coordinate closely with processing, underwriting, closing, and other operational teams to keep files moving efficiently and resolve issues that could delay funding.

• Stay current on mortgage rates, product offerings, regulatory obligations, and market conditions in order to present accurate information and negotiate appropriate loan terms.

• Conduct proactive outreach and follow-up activities to maintain a healthy pipeline and support ongoing business development efforts.

• At least 5 years of experience in mortgage origination and loan structuring.
• Demonstrated ability to analyze borrower financial documents, income sources, credit history, and related lending data.
• Strong knowledge of first mortgage origination, disclosure requirements, and automated underwriting systems such as DU and LP.
• Effective verbal and written communication skills, with the ability to build credibility internally and externally.
• Solid analytical and mathematical skills with the ability to manage multiple priorities within established deadlines.
• Proficiency with Microsoft Office applications and confidence using lending technology and other digital tools.
• Active registration with the Nationwide Mortgage Licensing System Registry, or the ability to meet registration requirements, including an active license ID where applicable.
• Strong attention to detail, sound judgment, and a consistent commitment to integrity, inclusion, and high-quality member service.