Loan Officer Originator

About the role

Originates mortgage loans, HELOCs, and consumer applications by engaging with customers and real estate professionals, including sales efforts at customer locations.

Responsibilities

• Initiates loans through customer interactions and outreach to realtors, builders, and other contacts.
• Responds to inquiries about loan products and application status.
• Stays current on government regulations, lending policies, and compliance training.
• Ensures adherence to fair lending laws and bank policies in all interactions.
• Makes underwriting decisions within lending authority; escalates exceptions or higher-level decisions as required.
• Manages service providers and vendors by setting expectations, developing performance metrics, and holding them accountable.

Requirements

• 3–5 years of experience as a Loan Officer (Originator).
• High School Diploma required; Bachelor’s degree in Marketing or Communications preferred.
• NMLS certification required.
• Proficiency in MS Office (Outlook, Excel, Word) or similar software required.
• Experience with mortgage lending, lending laws, regulations, and guidelines required.
• Customer service and financial services/banking experience preferred.

Skills

• Adaptability
• Communication
• Customer service
• Interpersonal skills
• Job knowledge
• Judgment
• Leadership
• Planning and organization
• Staff development
• Technical expertise

Preferred Software

• Encompass, Cleartouch, OnBase, government and investor software/web portals
• CRM software

Physical Environment

• Regularly required to lift, walk, stand, sit, bend, reach, climb, push/pull, use hands, and see, hear, and speak.
• Occasionally lifts and/or moves up to 25 pounds.
• Work environment is typically quiet to moderate.
• Hybrid office setting with one remote day per week; typical hours 8:00 am–4:30 pm.