Licensed Loan Officer

Cardinal Financial Company, Limited Partnership; Phoenix (AZ); On-site; USD 70,000 - 110,000; Full time

Job summary

Cardinal Financial Company, Limited Partnership is seeking a Licensed Loan Officer in Phoenix, AZ to guide borrowers from inquiry to closing and manage a loan pipeline. The role emphasizes accurate documentation, regulatory compliance, and collaboration with underwriting, processing, and closing teams.

Ideal candidates bring NMLS licensure or the ability to obtain it, strong financial analysis skills, and a customer-focused approach to deliver transparent, competitive mortgage solutions across

Qualifications

• Experience guiding applicants from inquiry to closing and structuring residential loan applications.
• Ability to analyze borrower financial information and assess creditworthiness.
• Familiarity with underwriting guidelines, documentation requirements and risk assessment fundamentals.
• Clear communication and responsive customer service to explain loan terms and regulatory requirements.
• Must possess an active mortgage loan officer license (NMLS) or ability to obtain and maintain licensing.

Responsibilities

• Guide borrowers through mortgage process from initial inquiry to closing.
• Gather financial documentation, evaluate eligibility, and present loan products.
• Collaborate with underwriting, processing and closing teams to ensure timely approvals.
• Maintain accurate records in loan systems and manage a healthy client pipeline.
• Explain loan terms and regulatory requirements in a clear, compliant manner.

Skills

Loan origination

Financial analysis

Customer service

Regulatory knowledge

Attention to detail

Education

Active mortgage loan officer license (NMLS)

Tools

Loan origination systems

Office software

Job description

Company Description

Cardinal Financial Company, Limited Partnership is a modern home lending company focused on ending mortgage complexity through its proprietary Octane® living loan engine. By combining advanced automation with experienced mortgage professionals, the company delivers Speed to Mortgage™ with transparent approvals, accurate figures, and a clear path from application to closing. Operating in all 50 states, Cardinal Financial emphasizes innovation, ethical lending practices, and a commitment to doing what is right for borrowers. Recognized as a Great Place to Work® Certified company for multiple consecutive years, Cardinal Financial fosters a supportive, growth-oriented work environment. The company is an Equal Housing Opportunity Lender headquartered in Charlotte, NC, with licensing information available through NMLS Consumer Access.

Role Description

This is a full-time, on-site Licensed Loan Officer role based in Phoenix, AZ. The Licensed Loan Officer will guide borrowers through the mortgage process from initial inquiry to closing, including gathering financial documentation, evaluating borrower eligibility, and presenting appropriate loan products. The role involves originating residential mortgage loans, structuring applications in line with company guidelines, and collaborating with underwriting, processing, and closing teams to ensure timely, accurate approvals. The Licensed Loan Officer will provide responsive customer service, explain loan terms and regulatory requirements, and maintain compliance with federal, state, and company lending standards. Daily activities also include building and managing a pipeline of clients, maintaining detailed records in loan systems, and contributing to a positive, ethical lending culture.

Qualifications

• Candidates should possess skills and experience related to Loan Officers and Loan Origination, including managing a loan pipeline and guiding applicants from application to closing.
• Candidates should possess Finance-related skills, such as analyzing borrower financial information, assessing creditworthiness, and understanding mortgage products and pricing.
• Candidates should possess Underwriting-related skills, including familiarity with underwriting guidelines, documentation requirements, and risk assessment fundamentals.
• Candidates should possess Customer Service skills, including clear communication, responsiveness, and the ability to explain complex lending concepts in an accessible manner.
• Active mortgage loan officer license (NMLS) in applicable jurisdictions, or ability to obtain and maintain required licensing.
• Knowledge of federal and state mortgage lending regulations and compliance standards.
• Strong attention to detail, organizational skills, and proficiency with loan origination systems and basic office software.
• Prior experience in residential mortgage lending or a related financial services role is highly beneficial; bilingual communication skills are a plus.