Retail Loan Officer

Responsibilities

• Proactively self-generate mortgage leads through networking, prospecting, and relationship development.
• Cultivate and maintain a strong network of realtors, builders, and other referral sources to drive new purchase business.
• Guide borrowers through every step of the loan process with professionalism and clear communication.
• Analyze borrower credit, income, and assets to recommend appropriate loan products.
• Collaborate closely with processing, underwriting, and closing teams to ensure timely and compliant loan closings.
• Stay current on mortgage products, lending guidelines, and market trends.
• Represent the company at community and industry events to expand visibility and grow your referral network.

Qualifications

• A high school diploma or equivalent required; a bachelor’s degree in finance, business, or a related field preferred.
• Active NMLS license and all required state licensing.
• Minimum 2 years of recent loan origination experience in a purchase-driven, self-sourced environment.
• Proven ability to build and maintain referral relationships that consistently generate funded volume.
• Strong understanding of Conventional, FHA, VA, USDA, and Jumbo products.
• Excellent sales, communication, and relationship-building skills.
• Proficient in loan origination systems (e.g., Byte, Encompass, or similar) and standard business software.
• Highly self-motivated and entrepreneurial — thrives working independently, managing daily activities, and driving results without direct supervision.
• Strong organizational skills with the ability to prioritize multiple files and meet deadlines in a fast-paced environment.
• Experience preferred but not required; training provided for motivated, high-potential candidates.

What We Offer

• Competitive commission-based compensation plan with high earning potential.
• Access to a broad portfolio of loan products and competitive pricing.
• Company-paid marketing and operational support to help you scale your business.
• Strong, collaborative company culture focused on growth and customer experience.
• Industry-backed exceptional operations support that ensures every file moves seamlessly from first touch to closing, fast, accurate, and always on time.
• Dedicated, company-paid marketing partner - an assigned expert to help you scale your business with open house materials, drip campaigns, text messaging, social media content, websites, co-branded resources, and more!
• Pre-qualification without impact - our soft credit pulls let you evaluate borrowers without affecting their credit score, helping you provide faster, more accurate guidance.