Community Mortgage Lender

Mobile Chamber; Mississippi; On-site; USD 60,000 - 100,000; Full time

Job summary

Mobile Chamber is seeking a Community Mortgage Lender to develop and originate residential loans, expanding homeownership opportunities for low-to-moderate income borrowers and underserved communities.

You will build partnerships, promote affordable housing programs, and guide borrowers from prequalification through closing, while staying compliant with regulatory requirements and coordinating with mortgage operations teams.

Qualifications

• Mortgage lending, community development, affordable housing, or related experience preferred.
• Strong knowledge of residential mortgage products and origination process.
• Willingness to participate in community events and occasional after-hours work.
• Must complete NMLS education/testing and obtain licenses for Mississippi and Alabama.

Responsibilities

• Develop and implement community-focused mortgage lending strategies to generate loan opportunities within assigned markets.
• Promote mortgage lending to low-to-moderate income borrowers and underserved communities.
• Build relationships with community organizations, housing agencies, and referral partners.
• Conduct outreach events and mortgage presentations in the community.
• Guide borrowers through the mortgage process from application to closing with strong customer service.
• Maintain documentation and compliance with federal/state mortgage regulations and HMDA requirements.

Skills

Mortgage lending

Community outreach

Relationship development

Customer service

Education

High School

Job description

Position Type: Full-Time
Work Arrangement: Hybrid
Locations: Mississippi (Mississippi Gulf Coast, Hattiesburg, Tupelo), and Alabama (Mobile area)

Compensation: Salary plus commission/incentive program.

Position Type: Non-Exempt

Position Summary

The Community Mortgage Lender is responsible for developing and originating residential mortgage loans with a focus on expanding homeownership opportunities for low-to-moderate income borrowers and communities. This position combines mortgage lending expertise with community outreach, relationship development, and education to help borrowers identify affordable and appropriate home financing options.

• Develop and implement community-focused mortgage lending strategies to generate loan opportunities within assigned markets.
• Promote mortgage lending and homeownership opportunities to low-to-moderate income borrowers and within low-to-moderate income and underserved communities.
• Build relationships with community organizations, housing agencies, Realtors, builders, nonprofit organizations, and other referral partners.
• Conduct and/or attend outreach events and mortgage presentations within the community.
• Identify and develop mortgage loan opportunities through community involvement, networking, referrals, and targeted outreach.
• Consult with prospective borrowers to evaluate mortgage needs, prequalify applicants, and recommend appropriate loan products and programs.
• Maintain strong knowledge of conventional and government mortgage products, affordable lending programs, and available down-payment and closing-cost assistance programs.
• Assist borrowers in identifying and applying for available down-payment assistance and other homeownership assistance programs.
• Guide borrowers through the mortgage process from initial application through closing while maintaining regular communication and providing a high level of customer service.
• Work collaboratively with mortgage operations, processing, underwriting, and closing team to facilitate timely and compliant loan closings.
• Maintain accurate documentation and comply with applicable federal and state mortgage regulations, fair lending requirements, HMDA requirements, and company policies.
• Develop and maintain a pipeline of qualified mortgage applicants while meeting established production, outreach, and community lending goals.

Qualifications

• Mortgage lending, community development, affordable housing, or related experience preferred.
• Strong knowledge of residential mortgage products and the mortgage origination process.
• Knowledge of affordable housing, first-time homebuyer, down-payment assistance, and community lending programs strongly preferred.
• Demonstrated ability to develop relationships and generate business through community outreach and referral partnerships.
• Strong interpersonal, communication, presentation, and customer service skills.
• Ability to work independently while collaborating effectively with internal team.
• Willingness to participate in community events and occasionally work outside normal business hours.
• Must successfully complete required NMLS education and testing and obtain and maintain applicable Mortgage Loan Originator licenses for Mississippi and Alabama.

Additional Info

Job Type : Full-Time

Education Level : High School

Experience Level : Mid to Senior Level

Job Function : Development