Mortgage Loan Officer

The Federal Savings Bank; Miami (FL); Hybrid; USD 60,000 - 100,000; Full time

Job summary

The Federal Savings Bank is seeking a Mortgage Loan Officer in a full-time, hybrid capacity based in Miami, FL. You will originate residential mortgage loans, consult with clients on financing options, and guide them through the loan application and approval process.

Daily duties include prospecting for new business, gathering borrower documents, coordinating with underwriting, and ensuring loans comply with regulations and company guidelines while delivering exceptional borrower experiences.

Qualifications

• Experience in residential mortgage origination and a strong track record.
• Knowledge of mortgage industry trends, products, and regulations.
• Proficiency in mortgage lending practices, including structuring and compliance.
• Understanding of underwriting fundamentals and ability to collaborate with underwriting teams.
• Strong customer service and empathetic communication of complex information.
• State licensing and NMLS registration or eligibility to obtain licenses.
• Ability to build and maintain referral relationships with real estate agents, builders, and partners.
• Strong analytical, organizational, and time management skills.
• Comfort with mortgage technology platforms and standard office software.
• High integrity and commitment to fair lending and regulatory compliance.

Responsibilities

• Originate residential mortgage loans and consult with clients on financing options.
• Guide clients through the loan application and approval process.
• Prospect for new business and develop relationships with referral partners.
• Gather and analyze borrower documentation and coordinate with underwriting and processing teams.
• Ensure loans meet regulatory and company guidelines and maintain accurate records.

Skills

Residential mortgage origination

Mortgage industry knowledge

Customer service

Communication

Regulatory compliance

NMLS licensing/eligibility

Referral development

Analytical skills

Time management

Mortgage technology platforms

Tools

Loan Origination System (LOS)

Mortgage software

Office software

Job description

Company Description

The Federal Savings Bank is the largest privately held, veteran-owned and operated bank in the United States, with a primary focus on mortgage lending. As a federally chartered bank, it serves homebuyers in all 50 states, combining the resources of a national institution with the personalized approach of a family-owned lender. The bank tailors home lending solutions to individual financial needs, using advanced technology and one-to-one guidance to create a smooth and efficient borrowing experience. Committed to helping customers build a secure future through homeownership, The Federal Savings Bank operates as an Equal Housing Opportunity company and is a member of the FDIC

Role Description

This is a full-time, hybrid Mortgage Loan Officer role based in Miami, FL, with some flexibility for work-from-home arrangements. The Mortgage Loan Officer will originate residential mortgage loans, consult with clients on financing options, and guide them through the loan application and approval process. Daily responsibilities include prospecting and developing new business, gathering and analyzing borrower documentation, coordinating with underwriting and processing teams, and ensuring loans meet regulatory and company guidelines. The role also involves providing consistent customer service, maintaining accurate records in loan origination systems, and collaborating with internal partners to deliver timely closings and a positive borrower experience.

Qualifications

• Experience as a Loan Officer with a strong track record in residential mortgage origination.
• Knowledge of the Mortgage Industry and current market trends, products, and regulations.
• Proficiency in Mortgage Lending practices, including loan structuring and compliance requirements.
• Understanding of Underwriting fundamentals and the ability to work effectively with underwriting teams.
• Strong Customer Service skills, with the ability to communicate complex information clearly and empathetically.
• Relevant state licensing and NMLS registration, or eligibility to obtain required licenses.
• Ability to build and maintain referral relationships with real estate agents, builders, and other partners.
• Strong analytical, organizational, and time management skills, with attention to detail.
• Comfort with mortgage technology platforms and basic proficiency in standard office software.
• High level of integrity, professionalism, and commitment to fair lending and regulatory compliance.