Mortgage Loan Officer

Jobtailor; Perkasie (Bucks County); On-site; USD 55,000 - 90,000; Full time

Job summary

Jobtailor in Bucks County, PA seeks a proactive Residential Lending Sales professional to develop new banking relationships and manage a growing book of business. You will assist borrowers with applications, analyze qualifications, and explain loan programs and pricing, while ensuring compliance with SAFE Act and fair lending standards.

You will build relationships with Realtors and internal partners, exceed activity goals, and represent the bank professionally as part of a collaborative team.

Qualifications

• Minimum of two years’ sales experience with a proven track record.
• Must be compliant with the SAFE Act and registered with NMLS.
• Strong knowledge of underwriting guidelines and bank overlays.
• Excellent written and oral communication skills.
• Excellent presentation and public speaking skills.
• Familiarity with Microsoft Office.

Responsibilities

• Develop sales leads independently and with managers to attain new residential lending relationships.
• Manage a book of business for residential lending customers, including a pipeline of loans and relationships with Realtors.
• Assist borrowers with financing applications and gather complete information.
• Analyze borrower qualifications to determine prequalified loan amounts and identify programs and pricing.
• Deliver customer service by returning calls, answering questions, and educating borrowers on loan products.
• Comply with state, federal, and local laws including fair lending and nondiscrimination requirements.

Skills

Sales Lead Development

Relationship Building

Pipeline Management

Loan Qualification Analysis

Customer Service

Time Management

Presentation Skills

Communication Skills

Problem Solving

Education

High School diploma or GED

College degree preferred

Tools

Microsoft Office

NMLS Registration

Job description

• Develop sales leads independently and in cooperation with Financial Center Managers or Business Development Officers to attain new residential lending business relationships and product sales
• Manage a book of business for residential lending customers, including a pipeline of loans, customer inquiries, and relationships with Realtors and other COIs
• Assist borrowers with financing applications and gather and enter complete information
• Analyze borrower qualifications to determine prequalified loan amounts and identify appropriate loan programs and pricing
• Deliver customer service by returning calls, answering questions, and educating prospective borrowers on loan products
• Comply with state, federal, and local laws, including fair lending and nondiscrimination requirements
• Develop internal and external referral relationships to generate loan applications
• Meet and exceed sales activity, productivity, and processing-time goals
• Serve as a trusted advisor by demonstrating knowledge of lending functions, bank policy, and underwriting criteria
• Represent the bank professionally as a team member
• Identify borrower cross-selling opportunities and provide warm transfers to internal partners
• Complete annual compliance and job-related training
• Comply with bank regulations, policies, procedures, privacy, and ethics standards
• Report to the Residential Lending Sales Manager and interact with operations staff, department leaders, and back-office personnel
• Interact with borrowers, depositors, referral sources, realtors, and vendors

Requirements

• High School diploma or GED required; college degree preferred
• Minimum of two years’ previous experience in a sales oriented environment, with proven track record of success, required
• Network of established referral sources preferred
• Must be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS)
• Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business
• Excellent written and oral communication skills
• Ability to manage time extraordinarily well
• Excellent presentation and public speaking skills
• Familiarity with Microsoft Office

Core Competencies

Demonstrates expertise in residential lending, including borrower qualification analysis, compliance with the SAFE Act, and strong customer service skills. Proven ability to develop sales leads, manage a book of business, and exceed sales activity goals.

Highest-signal resume keywords

• Residential Lending Experience
• SAFE Act Compliance
• Underwriting Guidelines Knowledge
• Sales Lead Development
• Customer Service Excellence

ATS Optimization Keywords

Hard Skills

• Loan Qualification Analysis
• Pipeline Management
• Sales Activity Tracking
• Loan Program Identification
• Compliance Training

Soft Skills

• Excellent Communication Skills
• Time Management
• Presentation Skills
• Relationship Building
• Problem Solving

Certifications & Qualifications

• SAFE Act Compliance

Industry Keywords

• Residential Lending
• Fair Lending
• Nondiscrimination Requirements
• Bank Policies
• Referral Relationships

Tools & Technologies

• Microsoft Office
• NMLS Registration