Mortgage Loan Officer

About the role

The Mortgage Loan Officer develops residential mortgage business by building trusted relationships with homebuyers, realtors, builders, financial professionals, and community partners. This individual advises borrowers throughout the mortgage process, structures financing solutions based on each customer’s needs, and collaborates closely with Choice’s mortgage operations team to deliver a responsive and transparent lending experience.

Responsibilities

• Build customer relationships through advising and servicing of mortgage loans.
• Originate, evaluate, and structure residential mortgage loan applications.
• Acquire and maintain accurate and timely data, coordination, and communication with processors, underwriters, closers, and customers throughout the pipeline process.
• Develop and maintain referral and industry networks including realtors, builders, real estate professionals, and other business development contacts.
• Achieve monthly, quarterly, and annual profitability and performance standards.
• Cross-sell additional Choice Financial services.
• Network and represent Choice Financial in community, economic, and business development.
• Proactively manage assigned loans and partnerships to support timely closings.
• Stay abreast of compliance changes, certifications, and regulations to assure compliance.
• Maintain knowledge of changing rules and regulations pertaining to both private and government-insured mortgages.
• Follow controls, guidelines, documentation, and procedures for secondary market pricing and expirations.
• Demonstrate knowledge of bank and insurance (conventional and/or government lending guidelines) products and services.
• Submit application forms to processing for verification of application information.
• Communicate with applicants or other persons to resolve questions, documentation needs, qualification concerns, and credit decisions.
• Maintain knowledge of and comply with policies, procedures, and industry changes.
• Perform duties outside normal scope as assigned.

Requirements

• Associate’s or Bachelor’s degree in Business Management, Sales, Marketing, or related field.
• 1-3 years of experience in banking, lending, or customer service (mortgage experience a plus).
• Active or ability to obtain NMLS registration.
• Strong attention to detail, reliability, and integrity.
• Excellent communication and interpersonal skills.
• Eagerness to learn and grow within the mortgage lending field.
• Ability to work collaboratively in a team environment.

Cultural Alignment

Choice is #PeopleFirst, banking second. Team members are guided by core values:

• Embrace change and encourage innovation.
• Know when to ask for help and know when to offer help.
• Better the places we live.
• Work hard. Do the right thing. Have a little fun.

Choice is committed to creating an environment where everyone feels respected and valued and can do their best work. Diversity is supported by the #PeopleFirst mission and core values, encouraging employees to share their experiences and ideas and bring their whole authentic selves to work.

Pay

The base salary for this role varies based on skill, ability, knowledge, experience, and geographic location. Full-time employees are eligible for a competitive bonus and benefits package.