Mortgage Loan Originator

Luminate Bank; Oregon; Ibrido; USD 70.000 - 120.000; Tempo pieno

Vantaggi offerti da questo lavoro

Health benefits

Pre tax HSA

FSA accounts

Dental & Vision

Life and AD&D Insurance

401K with company match

Flexible PTO

ESST

Opportunity to work for fast-growing L

Descrizione del lavoro

Luminate Bank is seeking a Mortgage Loan Officer in Oregon to originate home loans by developing relationships with real estate agents and builders, and by recommending the best products based on clients’ financial goals.

You will guide applicants through the process, analyze credit and income, present loan options, and ensure compliance with underwriting rules, while meeting sales goals and maintaining high customer satisfaction.

Competenze

• High school diploma or equivalent; bachelor's degree preferred in finance or business.
• Proven experience as a Mortgage Loan Officer or similar role.
• Valid NMLS license.
• Knowledge of LOS and mortgage guidelines (FHA, VA, USDA, and conventional).
• Strong financial documentation and credit analysis skills.
• Excellent interpersonal, communication, and sales abilities.
• Ability to work independently and manage time effectively.
• High integrity and strong ethical standards.

Mansioni

• Originate residential mortgage loans by building relationships with real estate agents and referral sources.
• Assist clients in selecting the best mortgage product for their situation.
• Guide clients through the application process and gather required documents.
• Analyze applicant finances, credit, and property value to assess loan feasibility.
• Present loan options and explain terms clearly to applicants.
• Ensure all loans comply with underwriting guidelines and regulations.
• Coordinate with underwriters and processors to secure timely closings.
• Stay current with market trends and changes in mortgage regulations.
• Meet sales goals while maintaining high customer satisfaction.

Conoscenze

Interpersonal skills

Communication

Sales skills

Time management

Integrity

Formazione

High school diploma or equivalent

Bachelor's degree preferred in finance or business

Strumenti

LOS (Loan Origination Systems)

Descrizione del lavoro

Position Overview:

Luminate Bank® is more than a bank—we're Banking Brighter® by making financial success simple, accessible, and rewarding. Whether you're purchasing a home, growing your savings, or planning for long-term stability, we offer expert guidance and personalized solutions to illuminate your path. Our seamless digital banking, tailored lending options, and wealth-building strategies empower you to take control of your financial future. With competitive rates, clear insights, and a customer-first approach, we help you make informed decisions with confidence. No matter where you are in your journey, Luminate Bank® is here to support you every step of the way.

Responsibilities and Duties:

• Originate residential mortgage loans by developing and maintaining relationships with real estate agents, builders, and other referral sources.
• Assist clients in selecting the best mortgage product based on their financial situation and goals.
• Guide clients through the mortgage application process, including completing loan applications and gathering necessary documentation.
• Analyze applicant financial status, credit, and property evaluations to determine loan feasibility.
• Present loan options and explain terms and conditions to clients in a clear and understandable way.
• Ensure all loans meet underwriting guidelines and comply with state and federal regulations.
• Communicate with underwriters, processors, and other parties to ensure timely loan approvals and closings.
• Keep current with market trends, loan products, and changes in mortgage regulations.
• Meet established sales goals and maintain high customer satisfaction ratings.

Qualifications and Skills:

• High school diploma or equivalent; bachelor's degree in finance, business, or related field preferred.
• Proven experience as a Mortgage Loan Officer, Loan Originator, or similar role.
• Valid NMLS (Nationwide Mortgage Licensing System) license.
• Knowledge of loan origination systems (LOS) and mortgage lending guidelines (e.g., FHA, VA, USDA, and conventional loans).
• Strong understanding of financial documentation and credit analysis.
• Excellent interpersonal, communication, and sales skills.
• Ability to work independently and manage time effectively.
• High level of integrity and strong ethical standards.

Benefits:

• Competitive compensation reliant on ability and experience
• Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
• Life and AD&D Insurance, as well as additional voluntary benefit possibilities
• 401K with robust company match
• Flexible PTO program
• Earned Sick & Safe Time (ESST)
• The opportunity to work for the Midwest's fastest growing lender

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.