Mortgage Loan Officer

**Overview** Join our dynamic team as a Mortgage Loan Officer and play a vital role in helping clients achieve their homeownership dreams! In this energetic and fast\-paced position, you will be responsible for guiding borrowers through the entire loan process, from application to closing, ensuring a smooth and compliant experience. Your expertise in mortgage lending, industry regulations, and exceptional customer service will drive success and foster lasting client relationships. This role offers an exciting opportunity to leverage your sales skills and financial knowledge to make a meaningful impact in the community. **Responsibilities** * Assist clients in understanding mortgage options, loan products, and eligibility requirements while providing clear, transparent guidance aligned with Fair Housing regulations. * Evaluate borrower financial information through credit analysis, income verification, and debt\-to\-income ratio assessments to determine loan eligibility. * Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently, ensuring accuracy and compliance with all loan regulations including TILA (Truth in Lending Act) and FNMA (Fannie Mae) guidelines. * Conduct negotiations with clients and third parties to secure favorable loan terms while maintaining adherence to banking regulatory compliance standards. * Collaborate with underwriters, processors, escrow officers, and mortgage servicing teams to facilitate seamless loan processing from application through approval. * Maintain up\-to\-date industry knowledge of mortgage lending practices, financial services regulations, and banking compliance to provide expert advice and ensure adherence to all legal requirements. * Build strong relationships with clients through effective communication, personalized service, and ongoing support throughout the loan lifecycle. **Qualifications** * Proven experience as a Loan Officer or Mortgage Loan Officer with a solid understanding of mortgage origination processes. * Demonstrated skills in negotiation, customer service, and relationship building within financial sales environments. * Proficiency with Loan Origination Systems (LOS), accounting software, and other financial software tools such as Quicken or similar platforms. * Strong knowledge of mortgage servicing, underwriting procedures, credit analysis, escrow processes, and industry\-specific regulations including TILA and Fair Housing laws. * Excellent math skills including basic math operations and 10\-key typing proficiency for accurate data entry. * Familiarity with retail lending practices, commercial lending analysis (risk and credit), and banking regulatory compliance standards. * Ability to communicate effectively with clients and team members while managing multiple tasks efficiently in a fast\-paced setting. Join us to be part of a dedicated team committed to delivering exceptional mortgage solutions while fostering growth both professionally a