Mortgage Loan Officer

Magnolia Bank - NMLS 423028; Nashville (TN); Remote; USD 65,000 - 95,000; Full time

Job summary

Magnolia Bank - NMLS 423028 is seeking a Mortgage Loan Officer for a fully remote role. You will originate residential mortgage loans, guide applicants from inquiry to closing, and collaborate with underwriting, processing, and closing teams to ensure compliance with investor and company guidelines.

You will also build referral relationships with real estate professionals while maintaining accurate records in loan origination systems and delivering exceptional customer service remotely.

Qualifications

• Experience as a Loan Officer with a proven track record of originating and closing residential mortgage loans.
• Knowledge of Mortgage Industry regulations, compliance requirements, and market trends.
• Hands-on experience with application intake, documentation review, and pipeline management.
• Familiarity with underwriting principles and guidelines to meet agency and investor requirements.
• Customer service skills: clear communication, empathy, and timely follow-up with borrowers and partners.
• Proficiency with loan origination systems and productivity tools; comfortable in a remote, tech-driven environment.

Responsibilities

• Originate residential mortgage loans from inquiry to closing.
• Collect and review financial documentation from borrowers.
• Collaborate with underwriting, processing, and closing teams to meet guidelines.
• Provide consistent, responsive customer service and maintain accurate records.
• Develop referral relationships with real estate professionals to grow the book of business.

Skills

Mortgage originations

Regulatory knowledge

Docs & pipeline

Underwriting familiarity

Customer service

Loan systems

Remote work

Analytical skills

Referral relationships

Ethical standards

NMLS licensed

Community banking experience

Job description

Company Description Magnolia Bank, established in 1919, is a community-focused financial institution dedicated to exceptional customer service and long-term relationships. With banking centers in Hodgenville and Elizabethtown, Kentucky, the bank provides a full range of personal and business banking services. Its Lease One Magnolia office in Louisville supports local businesses with tailored financing solutions. Magnolia Bank’s mortgage lending division now serves customers across the United States, allowing more homebuyers to experience “the Magnolia Way.” Magnolia Bank - NMLS 423028 is a Member FDIC and an Equal Housing Lender, committed to fair and responsible lending practices.

Role Description The Mortgage Loan Officer is a full-time, remote role responsible for originating residential mortgage loans and guiding applicants through the lending process from initial inquiry to closing. Daily activities include consulting with prospective borrowers, collecting and reviewing financial documentation, and recommending appropriate loan products based on individual needs and qualification criteria. The role involves collaborating with underwriting, processing, and closing teams to ensure loans meet regulatory, investor, and company guidelines while moving efficiently through the pipeline. The Mortgage Loan Officer will provide consistent, responsive customer service, maintain accurate records in loan origination systems, and uphold Magnolia Bank’s standards for compliance, ethics, and community-centered service. This position also includes developing referral relationships with real estate professionals and other partners to grow a sustainable book of business.

Qualifications

• Experience as a Loan Officer with a proven track record of successfully originating and closing residential mortgage loans.
• Strong knowledge of the Mortgage Industry, including current regulations, compliance requirements, and market trends.
• Hands-on experience in Mortgage Lending processes, including application intake, documentation review, and pipeline management.
• Familiarity with Underwriting principles and guidelines, with the ability to structure loans that meet agency and investor requirements.
• Demonstrated Customer Service skills, including clear communication, empathy, and timely follow-up with borrowers and partners.
• Proficiency with loan origination systems and common productivity tools; comfort working in a remote, technology-driven environment.
• Strong analytical, organizational, and time-management skills, with attention to detail and accuracy in documentation.
• Ability to build and maintain professional relationships with real estate agents, builders, and other referral sources.
• High ethical standards, commitment to fair lending practices, and adherence to all federal and state regulations.
• Relevant state mortgage licenses as required; NMLS registration in good standing.
• Preferred: prior experience with community banking or relationship-based lending, and familiarity with a range of loan products (conventional, FHA, VA, USDA).