Mortgage Loan Originator

OneTrust Home Loans, NMLS 46375; Jacksonville (FL); Hybrid; USD 60,000 - 100,000; Full time

Job summary

Onetrust Home Loans is recruiting a Mortgage Loan Officer for a full-time, hybrid role based in Central Florida. You will originate residential mortgage loans, guide borrowers through the application and approval process, and tailor loan solutions to each client’s financial needs and homeownership goals.

You will build lasting client relationships, provide exceptional service, and support borrowers from initial consultation through closing, while meeting production targets and ensuring

Qualifications

• Experience in mortgage, financial services, banking, or real estate preferred.
• Active Mortgage Loan Originator (MLO) license or ability to obtain and maintain required state licensing.
• Understanding of underwriting principles, including evaluation of credit, income, assets, collateral, and borrower risk.
• Strong knowledge of mortgage lending practices, products, and guidelines, including Conventional, FHA, VA, and other residential loan programs.

Responsibilities

• Prospect and develop new business opportunities through networking, referrals, and relationship-building activities.
• Conduct borrower consultations to evaluate financing needs and recommend appropriate mortgage products.
• Guide borrowers through the loan process from application to closing, ensuring a positive customer experience.
• Collect, review, and maintain required loan documentation to support loan eligibility and underwriting requirements.
• Serve as the primary point of contact for borrowers by providing timely status updates, answering questions, and addressing concerns throughout the lending process.
• Collaborate with processing, underwriting, and closing teams to facilitate efficient loan origination and funding.
• Ensure compliance with company policies, investor guidelines, and all applicable federal and state lending regulations.
• Develop and maintain relationships with referral partners, including real estate agents, builders, financial professionals, and community organizations, to generate business opportunities.
• Maintain knowledge of mortgage products, industry trends, and regulatory requirements to effectively assist borrowers and support business growth.
• Achieve individual production goals while maintaining high standards of service, quality, and professionalism.
• Perform other duties and responsibilities as assigned

Skills

Sales experience

Relationship management

Customer service

Communication

Mortgage lending knowledge

Education

High school diploma

Bachelor’s degree preferred

Tools

Encompass

Job description

About Onetrust Home Loans

If you are looking for an organization that has established an outstanding reputation for quality products and services and where you are an important member of a professional team, then OneTrust Home Loans may be for you. We are recognized as a Fortune 5000 company offering conventional, FHA, VA, USDA, and jumbo financing, while boasting portfolio, construction, and structure finance lending divisions. We focus on utilizing the latest technology to streamline the home loan process has made us a leader in our space. We really listen to our clients in order to anticipate their home financing goals and dreams. We're mortgage educators and financing strategists, providing detailed information and sound advice on mortgage options and industry trends. We focus our energies on a transparent and open communication loan process to close loans quickly.

About Onetrust Home Loans

If you are looking for an organization that has established an outstanding reputation for quality products and services and where you are an important member of a professional team, then OneTrust Home Loans may be for you. We are recognized as a Fortune 5000 company offering conventional, FHA, VA, USDA, and jumbo financing, while boasting portfolio, construction, and structure finance lending divisions. We focus on utilizing the latest technology to streamline the home loan process has made us a leader in our space. We really listen to our clients in order to anticipate their home financing goals and dreams. We're mortgage educators and financing strategists, providing detailed information and sound advice on mortgage options and industry trends. We focus our energies on a transparent and open communication loan process to close loans quickly.

If our employees are successful, we are successful. Our goal is to provide them with the most current competitive tools and information possible. Employees and management listen, engage, and provide honest feedback to each other. Those who make outstanding contributions are recognized for their outstanding customer service and are eligible for key programs. In order to hire and retain employees who share our values of integrity, transparency, innovation, and greatness, we offer attractive employment packages, work-life balance, a wide range of training opportunities, and an innovative and exciting business culture. Service is everything!

Position Summary

The Mortgage Loan Officer is a full-time, hybrid position based in Central Florida. This role is responsible for originating residential mortgage loans, guiding borrowers through the application and approval process, and recommending loan solutions tailored to each client's financial needs and homeownership goals. This position serves as a trusted resource for borrowers, providing exceptional service, building lasting relationships, and supporting clients throughout the loan journey from initial consultation through closing.

Essential Duties And Responsibilities

• Prospect and develop new business opportunities through networking, referrals, and relationship-building activities.
• Conduct borrower consultations to evaluate financing needs and recommend appropriate mortgage products.
• Guide borrowers through the loan process from application to closing, ensuring a positive customer experience.
• Collect, review, and maintain required loan documentation to support loan eligibility and underwriting requirements.
• Serve as the primary point of contact for borrowers by providing timely status updates, answering questions, and addressing concerns throughout the lending process.
• Collaborate with processing, underwriting, and closing teams to facilitate efficient loan origination and funding.
• Ensure compliance with company policies, investor guidelines, and all applicable federal and state lending regulations.
• Develop and maintain relationships with referral partners, including real estate agents, builders, financial professionals, and community organizations, to generate business opportunities.
• Maintain knowledge of mortgage products, industry trends, and regulatory requirements to effectively assist borrowers and support business growth.
• Achieve individual production goals while maintaining high standards of service, quality, and professionalism.
• Perform other duties and responsibilities as assigned

The above functions are intended to describe the general nature and level of work performed by individuals assigned to this job. This is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities and qualifications required of employees assigned to this job.

Education And Experience

• High school diploma or equivalent required; associate's or bachelor's degree in Business, Finance, Marketing, or a related field preferred.
• Sales, business development, or relationship management experience within the mortgage, financial services, banking, or real estate industries preferred.
• Active Mortgage Loan Originator (MLO) license, or the ability to obtain and maintain required state licensing in accordance with NMLS requirements.
• Understanding of underwriting principles, including the evaluation of credit, income, assets, collateral, and overall borrower risk.
• Strong knowledge of mortgage lending practices, products, and guidelines, including Conventional, FHA, VA, and other residential loan programs.
• Previous experience as a Mortgage Loan Officer with a demonstrated ability to originate, develop, and manage a mortgage loan pipeline.
• Excellent customer service, communication, and relationship-building skills, with the ability to educate and guide borrowers throughout the lending process.

Knowledge, Skills And Abilities

• Demonstrated computer skills in word processing, spreadsheet, and electronic mail software.
• Strong communication and interpersonal skills, and a high level of professional integrity.
• Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisor.
• Strong time management and organizational skills in a dynamic, constantly changing environment.
• Attention to detail and quality focused.
• Encompass experience preferred.

OneTrust Home Loans is an Equal Opportunity Employer