Mortgage Loan Officer

**Job Overview** We are seeking a dynamic and detail\-oriented Mortgage Loan Officer to join our financial services team. In this role, you will be instrumental in guiding clients through the mortgage lending process, from initial consultation to loan approval and servicing. Your expertise will help clients secure the best mortgage solutions tailored to their financial goals while ensuring compliance with industry regulations. This position offers an exciting opportunity to build meaningful relationships, drive sales, and contribute to our mission of providing exceptional mortgage services. **Responsibilities** * Engage with prospective clients to understand their financial needs and explain various mortgage options available * Conduct thorough credit analysis and assess client eligibility based on income, assets, and credit history * Utilize Loan Origination Systems (LOS) and other financial software to process applications efficiently and accurately * Ensure all loan documentation complies with Fair Housing regulations, TILA (Truth in Lending Act), FNMA (Fannie Mae) guidelines, and other relevant regulations * Negotiate terms with clients and lenders to secure favorable loan conditions while maintaining compliance with loan regulations * Collaborate with underwriters, processors, and escrow officers to facilitate smooth loan processing and underwriting workflows * Maintain excellent customer service by communicating clearly with clients throughout the loan lifecycle and providing updates on application status * Stay current on industry knowledge of financial regulations, banking compliance, mortgage lending practices, and industry trends in retail and commercial lending **Requirements** * Proven experience as a Loan Officer or Mortgage Loan Officer within the financial services or banking industry * Strong knowledge of mortgage origination processes, underwriting standards, and mortgage servicing practices * Familiarity with Loan Origination Systems (LOS), accounting software, and financial software tools such as Quicken or similar platforms * Excellent negotiation skills combined with a solid understanding of contracts, escrow procedures, and credit analysis techniques * Ability to perform basic math accurately and efficiently, including 10\-key typing skills for data entry tasks * Deep understanding of Fair Housing regulations, TILA, FNMA guidelines, and banking regulatory compliance standards * Exceptional customer service skills with the ability to communicate effectively with clients from diverse backgrounds * Industry knowledge of financial regulations impacting retail lending, commercial lending analysis in risk and credit assessment is a plus * Strong relationship\-building skills in financial sales environments along with a proactive approach to client engagement Join us as a Mortgage Loan Officer where your expertise will empower clients to achieve their homeownership dreams while advancing your career in a vibrant, supportive e