Mortgage Loan Officer

AppleOne Employment Services; Summerville (SC); On-site; USD 45,000 - 55,000; Full time

Job summary

AppleOne Employment Services in Summerville, SC seeks a Mortgage Loan Officer to guide borrowers through the application process, educate on products, and coordinate with processors and underwriters to move files toward timely approval.

The role emphasizes detailed credit analysis, regulatory compliance, and relationship-building with clients and referral partners in a direct-hire position.

Qualifications

• 2-year or 4-year college degree is required.
• At least 2 years of work experience in mortgage lending.
• Strong understanding of mortgage lending processes and documentation.
• Ability to explain mortgage rules, rates, and options clearly.
• Complete assigned BSA and OFAC training by required deadlines.
• Commitment to promptly reporting known or suspected violations of policy or law to the appropriate banking officer.

Responsibilities

• Guide qualified borrowers through the mortgage application and approval process from initial consultation through decision.
• Educate customers on mortgage products, interest rates, lending requirements, documentation needs, and application timelines.
• Partner with loan processors and underwriters to collect documentation, resolve issues, and keep loan files moving toward deadlines.
• Evaluate customer financial backgrounds and homeownership goals to recommend mortgage options that align with their needs.
• Maintain consistent communication with applicants, providing updates, answering questions, and addressing concerns promptly.
• Open new loans and complete mortgage transactions in accordance with credit, BSA, CIP, and OFAC policies and procedures.

Skills

Mortgage lending experience

Customer service

Communication

Relationship building

Attention to detail

Problem solving

Education

College degree (2-year or 4-year)

Job description

Job Summary

A direct hire opportunity is available for a Mortgage Loan Officer in Summerville, SC. This role is ideal for a mortgage lending professional who enjoys helping borrowers navigate the home financing process, providing consultative guidance, and building long-term customer and referral relationships.

The Mortgage Loan Officer will work closely with borrowers, loan processors, underwriters, and internal banking teams to ensure mortgage applications are accurate, compliant, and completed on time. This position offers the opportunity to join a professional, customer-focused lending environment where teamwork, communication, and service excellence are valued.

This is a strong fit for someone who is detail-oriented, relationship-driven, and motivated by helping customers achieve their homeownership goals while working within established lending, credit, and regulatory guidelines.

Key Responsibilities

• Guide qualified borrowers through the mortgage application and approval process from initial consultation through decision.
• Educate customers on mortgage products, interest rates, lending requirements, documentation needs, and application timelines.
• Partner with loan processors and underwriters to collect documentation, resolve issues, and keep loan files moving toward deadlines.
• Evaluate customer financial backgrounds and homeownership goals to recommend mortgage options that align with their needs.
• Maintain consistent communication with applicants, providing updates, answering questions, and addressing concerns promptly.
• Open new loans and complete mortgage transactions in accordance with credit, BSA, CIP, and OFAC policies and procedures.

Compensation and Benefits

• Salary range: $45,000 to $55,000 per year.
• Job type: Direct hire.

Required Qualifications and Skills

• Manage mortgage loan applications, documentation collection, and customer communication throughout the lending process.
• Work with processing and underwriting teams to resolve delays and support timely loan completion.
• Recommend mortgage options based on borrower financial profiles, goals, and lending guidelines.
• Maintain compliance with credit policy, BSA, CIP, OFAC, and related banking requirements.
• A 2-year or 4-year college degree is required.
• At least 2 years of work experience in the mortgage lending industry is required.
• Strong understanding of mortgage lending processes, borrower documentation, and loan application requirements.
• Ability to explain mortgage rules, regulations, rates, and loan options clearly to customers.
• Strong customer service, relationship-building, and referral network development skills.
• Excellent attention to detail with the ability to ensure complete and accurate application information.
• Strong communication, follow-up, and problem-solving skills.
• Ability to complete assigned BSA and OFAC training by required deadlines.
• Commitment to promptly reporting known or suspected violations of policy or law to the appropriate banking officer.

Preferred Qualifications

• Experience working in a community banking, mortgage banking, or financial services environment.
• Familiarity with multiple mortgage loan products and borrower qualification scenarios.
• Established referral relationships with real estate professionals, builders, financial partners, or community contacts.
• Experience supporting borrowers in the Summerville or greater Charleston, SC market.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here: https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program. https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.