Mortgage Loan Officer

C2C Lenders; Michigan; Hybrid; USD 55,000 - 85,000; Full time

Benefits offered by this job

401(k)

Health insurance

Paid time off

Referral program

Vision insurance

Work from home

Job summary

A Mortgage Loan Officer role is available to join our financial services team in Michigan. You will act as the primary contact for clients seeking mortgage solutions, guiding them from application to closing while ensuring regulatory compliance.

Responsibilities include evaluating client needs, processing applications with LOS and financial software, performing credit analysis and underwriting support, negotiating terms, and maintaining strong client relationships in a fast-paced, compliant

Qualifications

• Valid mortgage license in accordance with state licensing laws
• Expertise in mortgage lending, retail and commercial lending analysis, and risk assessment
• Proficiency with LOS, accounting software, financial software, and 10-key typing
• Deep understanding of fair housing regulations, TILA disclosures, FNMA guidelines, and banking compliance
• Strong negotiation skills and excellent client communication
• Knowledge of mortgage servicing, escrow management, credit analysis, underwriting, and loan processing workflows
• Ability to analyze financial documents accurately while adhering to loan-related regulations
• Excellent relationship-building in financial sales and customer service

Responsibilities

• Engage with clients to assess mortgage needs and guide through loan origination
• Use LOS and financial software to process applications
• Conduct credit analysis, underwriting support, and risk assessments per FNMA guidelines
• Negotiate terms with clients, real estate agents, while complying with TILA and regulations
• Manage mortgage servicing tasks including escrow setup and loan processing
• Stay informed about industry trends, regulations, and compliance standards
• Build strong client relationships through excellent service and proactive follow-up

Skills

Mortgage lending

Negotiation

Client communication

Regulatory compliance

Credit analysis

Risk assessment

Financial analysis

Relationship building

Tools

LOS

Accounting software

Financial software

Job description

We are seeking a dynamic and licensed Mortgage Loan Officer to join our dedicated team of financial professionals. In this role, you will be the key point of contact for clients seeking mortgage solutions, guiding them through the loan process with expertise and enthusiasm. Your energy and industry knowledge will help clients navigate complex financial options, ensuring a smooth and positive experience from application to closing. This position offers an exciting opportunity to build lasting client relationships while adhering to all regulatory standards and compliance requirements.

Responsibilities

• Engage with clients to assess their mortgage needs, providing clear explanations of loan options and guiding them through the loan origination process.
• Utilize Loan Origination Systems (LOS) and financial software to process applications efficiently and accurately.
• Conduct credit analysis, underwriting support, and risk assessments in compliance with FNMA (Fannie Mae) guidelines and fair housing regulations.
• Negotiate terms with clients, real estate agents, and other stakeholders to secure favorable loan agreements while maintaining compliance with TILA (Truth in Lending Act) and other federal regulations.
• Manage mortgage servicing tasks, including escrow account setup, loan processing, and ongoing client communication to ensure customer satisfaction.
• Stay informed about industry trends, banking regulations, and financial compliance standards to provide expert advice and maintain industry knowledge.
• Build strong relationships through excellent customer service, effective communication, and proactive follow-up throughout the loan lifecycle.

Requirements

• Valid mortgage license in accordance with state licensing laws; prior experience as a licensed mortgage loan officer is essential.
• Demonstrated expertise in mortgage lending, retail lending, commercial lending analysis, and risk assessment.
• Proficiency with Loan Origination Systems (LOS), accounting software, financial software, and basic math skills including 10-key typing accuracy.
• Deep understanding of fair housing regulations, TILA disclosures, FNMA guidelines, and banking regulatory compliance standards.
• Strong negotiation skills combined with excellent client communication abilities to foster trust and clarity.
• Knowledge of mortgage servicing processes, escrow management, credit analysis, underwriting procedures, and loan processing workflows.
• Ability to analyze financial documents accurately while adhering to industry regulations related to loans and contracts.
• Exceptional relationship-building skills within financial sales environments; experience in customer service is highly valued.

Join us as a Licensed Mortgage Loan Officer if you’re passionate about helping clients achieve their homeownership goals while thriving in a fast-paced, energetic environment dedicated to excellence!

• 401(k)
• Health insurance
• Paid time off
• Referral program
• Vision insurance
• Work from home