Senior Mortgage Loan Officer

Luminate Home Loans, Inc.; Spokane (WA); On-site; USD 90,000 - 130,000; Full time

Job summary

Luminate Home Loans, Inc. in Spokane, WA, is seeking a Senior Mortgage Loan Officer to originate and manage residential loans from contact through closing.

This on-site role focuses on building relationships with clients, real estate professionals, and internal partners while guiding borrowers through the loan process. You will review financial documentation, collaborate with underwriting and processing teams, ensure compliance, monitor pipelines, and pursue production goals with ethical lending

Qualifications

• Experienced Loan Officer with progressive responsibility in Mortgage Industry.
• Knowledge of conventional, FHA, VA and other loan programs.
• Understanding of underwriting principles, risk assessment and documentation.
• Strong customer service skills and ability to build trust.
• Proven track record of meeting production targets in a lending environment.
• Familiarity with federal, state and local mortgage regulations and compliance.
• Proficiency with mortgage origination systems and standard office software.
• Analytical, organized, and detail-oriented with strong time management.
• Ability to collaborate with underwriting, processing, closing and branches on-site.
• High school diploma; Bachelor’s degree preferred in business/finance.
• Valid Mortgage Loan Originator (MLO) license as required.

Responsibilities

• Originating and managing residential mortgage loans from contact to closing.
• Build and maintain relationships with clients, real estate professionals, and internal partners.
• Review financial documentation and coordinate with underwriting and processing teams.
• Ensure loans comply with regulations and internal guidelines.
• Monitor pipeline, follow up on leads, and identify opportunities for customers.

Skills

Mortgage lending

Customer service

Regulatory compliance

Communication

Analytical skills

Time management

Attention to detail

Collaboration

Digital tools familiarity

MLO licensing

Education

High school diploma

Bachelor’s in business/finance (preferred)

Tools

Mortgage origination systems

Office software

Job description

Company Description

Luminate Bank® is a national, digital-first financial partner focused on supporting customers through every stage of their financial journey. The bank offers innovative lending solutions, full-service digital banking, and personalized guidance to help individuals and families move forward with clarity and confidence. With a commitment to a seamless experience and thoughtful support, Luminate Bank serves customers regardless of where they live. The organization emphasizes real progress on customers’ terms and promotes a “Bank Brighter. Together.” philosophy that values collaboration and long-term success.

Role Description

The Senior Mortgage Loan Officer is a full-time, on-site role based in Spokane, WA, responsible for originating and managing residential mortgage loans from initial contact through closing. This role includes building and maintaining relationships with clients, real estate professionals, and internal partners, while providing clear, timely guidance throughout the loan process. Day-to-day responsibilities involve assessing borrower needs, collecting and reviewing financial documentation, collaborating with underwriting and processing teams, and ensuring all loans comply with regulatory and internal guidelines. The Senior Mortgage Loan Officer will also monitor pipeline activities, follow up on leads, and proactively identify opportunities to support customers with the most suitable mortgage solutions. This position requires consistent, high-quality customer service and a strong focus on meeting production goals while upholding ethical lending practices.

Qualifications

• Demonstrated expertise as a Loan Officer with progressive responsibility in the Mortgage Industry.
• Strong knowledge of Mortgage Lending products, guidelines, and processes, including conventional, FHA, VA, and other loan programs.
• Familiarity with basic Underwriting principles, risk assessment, and documentation requirements to support sound credit decisions.
• Proven Customer Service skills, including clear communication, responsiveness, and the ability to build trust with diverse clients.
• Track record of meeting or exceeding mortgage production targets in a bank or lending environment.
• Ability to interpret and apply federal, state, and local mortgage regulations and compliance standards.
• Proficiency with mortgage origination systems and standard office software; comfort working in a digital-first environment.
• Strong analytical, organizational, and time-management skills, with attention to detail in documentation and follow-through.
• Ability to collaborate effectively with underwriting, processing, closing, and branch teams in an on-site setting.
• High school diploma or equivalent required; bachelor’s degree in business, finance, or related field preferred.
• Valid mortgage loan originator license (MLO) as required by applicable regulations.