Position Summary
The Mortgage Lender is responsible for guiding borrowers through the mortgage lending process, evaluating loan applications, developing appropriate financing solutions, and ensuring a smooth and compliant closing experience. This role builds strong relationships with borrowers, real estate professionals, and referral partners while meeting production and service goals.
Key Responsibilities
- Meet with prospective borrowers to understand their financial goals, homeownership needs, and financing options.
- Originate and manage residential mortgage loans from application through closing.
- Analyze borrower financial information, credit reports, income, assets, and property details to determine appropriate loan solutions.
- Explain mortgage products, interest rates, fees, terms, and qualification requirements clearly to borrowers.
- Collect and review required documentation and work closely with processors, underwriters, appraisers, title companies, and closing teams.
- Maintain consistent communication with borrowers and referral partners throughout the loan process.
- Develop and maintain relationships with real estate agents, builders, financial professionals, and other referral sources.
- Generate new mortgage business through networking, referrals, community involvement, and business development activities.
- Ensure all lending activities comply with applicable federal and state laws, regulations, investor requirements, and company policies.
- Maintain accurate and timely records in the loan origination system.
- Stay current on mortgage products, lending guidelines, market conditions, and regulatory requirements.
- Meet or exceed established production, customer service, quality, and compliance goals.
Qualifications
- Previous mortgage lending, loan origination, banking, financial services, or related sales experience preferred.
- Strong knowledge of residential mortgage products and the home-buying process.
- Excellent interpersonal, communication, negotiation, and customer-service skills.
- Strong attention to detail and ability to manage multiple loans and deadlines simultaneously.
- Ability to analyze financial information and explain complex lending concepts in an understandable manner.
- Self-motivated, goal-oriented, and comfortable developing new business.
- Proficiency with mortgage loan origination systems and standard office technology.
- Must meet applicable licensing and registration requirements, including NMLS requirements where applicable.
Preferred Skills
- Proven ability to build and maintain referral relationships.
- Strong sales and business-development skills.
- Knowledge of conventional, FHA, VA, USDA, and other residential mortgage programs.
- Excellent follow-up and organizational skills.
- Professional, trustworthy, and customer-focused approach.
Compensation & Benefits
- Competitive base salary and/or commission structure, depending on experience and company model.
- Performance-based incentives.
- Health, dental, and vision insurance.
- Retirement plan with company contribution or matching, where applicable.
- Paid time off and holidays.
- Professional development and training opportunities.
Work Environment
This position may be performed in a branch office.. The Mortgage Lender regularly interacts with borrowers, real estate professionals, lending partners, and internal operations teams.