Jr Mortgage Lender

ASCENSION CREDIT UNION; Gonzales (LA); On-site; USD 55,000 - 90,000; Full time

Benefits offered by this job

Health, dental, and vision insurance

Retirement plan with company matching

Paid time off and holidays

Professional development and training

Job summary

ASCENSION CREDIT UNION is seeking a Mortgage Lender to guide borrowers through the lending process, originate and manage residential mortgage loans from application to closing, and build strong relationships with borrowers, real estate professionals, and referral partners. The role emphasizes compliant, efficient service and meeting production goals.

The Mortgage Lender will analyze financial information, explain loan options, and stay current on lending guidelines and market conditions while

Qualifications

• Experience in mortgage lending or loan origination preferred.
• Knowledge of residential mortgage products and home-buying process.
• Strong communication, negotiation, and customer-service skills.
• Ability to analyze financial information and explain lending concepts clearly.
• Familiarity with mortgage origination systems and standard office technology.

Responsibilities

• Meet with prospective borrowers to understand financial goals and financing options.
• Originate and manage residential mortgage loans from application to closing.
• Analyze borrower financial information and documentation to determine loan solutions.
• Explain mortgage products, rates, fees, terms, and qualification requirements clearly.
• Maintain communication with borrowers and referral partners throughout the process.
• Develop relationships with real estate agents, builders, and referral sources.
• Ensure lending activities comply with laws, regulations, and company policies.
• Maintain accurate records in the loan origination system.
• Stay current on lending guidelines and market conditions.

Skills

Interpersonal skills

Communication

Negotiation

Customer service

Attention to detail

Financial analysis

Self-motivated

Goal-oriented

Education

NMLS licensing

Tools

Mortgage loan origination systems

Job description

Position Summary

The Mortgage Lender is responsible for guiding borrowers through the mortgage lending process, evaluating loan applications, developing appropriate financing solutions, and ensuring a smooth and compliant closing experience. This role builds strong relationships with borrowers, real estate professionals, and referral partners while meeting production and service goals.

Key Responsibilities

• Meet with prospective borrowers to understand their financial goals, homeownership needs, and financing options.
• Originate and manage residential mortgage loans from application through closing.
• Analyze borrower financial information, credit reports, income, assets, and property details to determine appropriate loan solutions.
• Explain mortgage products, interest rates, fees, terms, and qualification requirements clearly to borrowers.
• Collect and review required documentation and work closely with processors, underwriters, appraisers, title companies, and closing teams.
• Maintain consistent communication with borrowers and referral partners throughout the loan process.
• Develop and maintain relationships with real estate agents, builders, financial professionals, and other referral sources.
• Generate new mortgage business through networking, referrals, community involvement, and business development activities.
• Ensure all lending activities comply with applicable federal and state laws, regulations, investor requirements, and company policies.
• Maintain accurate and timely records in the loan origination system.
• Stay current on mortgage products, lending guidelines, market conditions, and regulatory requirements.
• Meet or exceed established production, customer service, quality, and compliance goals.

Qualifications

• Previous mortgage lending, loan origination, banking, financial services, or related sales experience preferred.
• Strong knowledge of residential mortgage products and the home-buying process.
• Excellent interpersonal, communication, negotiation, and customer-service skills.
• Strong attention to detail and ability to manage multiple loans and deadlines simultaneously.
• Ability to analyze financial information and explain complex lending concepts in an understandable manner.
• Self-motivated, goal-oriented, and comfortable developing new business.
• Proficiency with mortgage loan origination systems and standard office technology.
• Must meet applicable licensing and registration requirements, including NMLS requirements where applicable.

Preferred Skills

• Proven ability to build and maintain referral relationships.
• Strong sales and business-development skills.
• Knowledge of conventional, FHA, VA, USDA, and other residential mortgage programs.
• Excellent follow-up and organizational skills.
• Professional, trustworthy, and customer-focused approach.

Compensation & Benefits

• Competitive base salary and/or commission structure, depending on experience and company model.
• Performance-based incentives.
• Health, dental, and vision insurance.
• Retirement plan with company contribution or matching, where applicable.
• Paid time off and holidays.
• Professional development and training opportunities.

Work Environment

This position may be performed in a branch office.. The Mortgage Lender regularly interacts with borrowers, real estate professionals, lending partners, and internal operations teams.