Mortgage Loan Officer

Highland Consulting Group; New Jersey; On-site; USD 41,000 - 50,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

Paid time off

Sick leave

Retirement savings plan with employer

Stock ownership program

Bonus potential

Job summary

A community bank in New Jersey is seeking a Mortgage Loan Officer to join its residential lending team, focusing on building relationships in Sussex, Warren and Morris counties.

You will pre-qualify borrowers, guide them through the process, and work with branch networks to move loans from application to closing. This role offers a base salary with tiered commissions and benefits in a locally supported environment.

Qualifications

• 3+ years of residential mortgage origination experience in a mortgage banking or banking environment preferred.
• Strong relationship-building and business development skills.
• Knowledge of the New Jersey residential mortgage market.
• Ability to work independently while partnering closely with branch and internal bank teams.
• Comfortable working both self-generated business and bank-generated referrals.

Responsibilities

• Develop and maintain your own relationships within the community, particularly in Sussex, Warren and Morris Counties.
• Work with mortgage referrals generated through the bank’s branch network.
• Pre-qualify prospective borrowers and guide them through the mortgage process.
• Complete applications and review supporting documentation.
• Set clear expectations around timelines, costs and the overall process.
• Work with internal teams to move loans efficiently from application through closing.
• Build mortgage awareness and business within surrounding communities.
• Partner with branch and other bank personnel to identify cross-sell opportunities.
• Participate in community outreach and informational events as appropriate.

Skills

Mortgage origination

Relationship building

Business development

NJ mortgage market

Independent work

Job description

We're working with an established community bank that's adding a Mortgage Loan Officer to its residential lending team.

This is an opportunity for a relationship-oriented lending professional who enjoys helping customers navigate the mortgage process, developing referral relationships and growing business within an established banking platform.

With an existing branch network, local underwriting support and a commission structure that rewards production, the bank offers a combination of resources and business-development opportunity for someone looking to grow their mortgage career.

What you’ll be doing:

• Develop and maintain your own relationships within the community, particularly in Sussex, Warren and Morris Counties
• Work with mortgage referrals generated through the bank’s branch network
• Pre-qualify prospective borrowers and guide them through the mortgage process
• Complete applications and review supporting documentation
• Set clear expectations around timelines, costs and the overall process
• Work with internal teams to move loans efficiently from application through closing
• Build mortgage awareness and business within surrounding communities
• Partner with branch and other bank personnel to identify cross-sell opportunities
• Participate in community outreach and informational events as appropriate

What they’re looking for:

• Strong knowledge of the New Jersey residential mortgage market
• 3+ years of residential mortgage origination experience in a mortgage banking or banking environment preferred
• Strong relationship-building and business development skills
• Comfortable working both self-generated business and bank-generated referrals
• Understanding of residential mortgage products and the local market
• Ability to work independently while partnering closely with branch and internal bank teams

The bank offers a range of residential mortgage products, including conventional and fixed-rate mortgages, adjustable-rate mortgages, FHA, USDA, reverse mortgages, jumbo loans, and construction lending for new home builds and additions.

Why this opportunity:

This is a community-bank environment rather than a large national or brokerage mortgage platform. The position has access to an established branch network while still providing the opportunity to develop your own referral sources and grow production.

The bank also maintains local, in-house underwriting and a nimble decision-making process.

Compensation:

$45,000 base salary + tiered commission

The commission structure provides additional earning potential as production increases, with higher potential for business generated independently.

Benefits include:

• Medical, dental and vision coverage
• Paid time off and sick leave
• Retirement savings plan with employer match
• Potential stock ownership program
• This person may also be eligible for additional bonus based on individual and bank performance

If you have strong New Jersey market knowledge and are looking for a mortgage role that combines an established bank platform with the ability to build your own business, we'd be interested in talking with you.