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Mortgage Loan Officer
Mortgage Loan OfficerBank of England Mortgage • Daphne, AL, United States
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Mortgage Loan Officer

Mortgage Loan Officer

Bank of England Mortgage • Daphne, AL, United States
[job_card.30_days_ago]
[job_preview.job_type]
  • [job_card.full_time]
[job_card.job_description]

Looking for highly motivated Mortgage Loan Originators in the Panama City, FL and Auburn, AL areas.

About the Role :

The Mortgage Loan Officer plays a critical role in guiding clients through the residential lending process, ensuring they secure the most suitable mortgage products to meet their financial needs. This position involves evaluating loan applications, advising clients on various mortgage options including FHA and VA loans, and facilitating the loan closing process with precision and compliance. The officer acts as a trusted advisor, building strong relationships with clients and real estate professionals to foster repeat and referral business. Success in this role requires a deep understanding of mortgage lending regulations, automated underwriting systems, and market trends to provide accurate and timely loan solutions. Ultimately, the Mortgage Loan Officer contributes to the financial well-being of clients while supporting the institution's growth and reputation in the banking and credit intermediation industry.

Minimum Qualifications :

  • Proven experience in residential mortgage lending or a related financial services role.
  • Comprehensive knowledge of mortgage loan products including FHA and VA loans.
  • Familiarity with automated underwriting systems and loan processing software.
  • Strong understanding of loan closing procedures and regulatory compliance requirements.
  • Valid state licensing as a Mortgage Loan Originator (MLO) or equivalent certification.

Preferred Qualifications :

  • Bachelor's degree in finance, business administration, or a related field.
  • Experience working within banking or nonbank credit intermediation environments.
  • Demonstrated success in building client relationships and generating referral business.
  • Advanced training or certification in mortgage lending or underwriting.
  • Proficiency with customer relationship management (CRM) software and digital mortgage platforms.
  • Responsibilities :

  • Evaluate and process residential mortgage loan applications, ensuring accuracy and compliance with regulatory standards.
  • Advise clients on home equity options, FHA financing, VA loans, and other mortgage products tailored to their financial situations.
  • Collaborate with underwriters, real estate agents, and closing agents to facilitate smooth and timely loan closings.
  • Utilize automated underwriting systems to assess loan eligibility and risk, providing clear guidance to clients throughout the process.
  • Maintain up-to-date knowledge of mortgage lending regulations, market conditions, and product offerings to effectively serve clients.
  • Skills :

    The required skills such as residential lending, home equity, and mortgage loans are essential for evaluating client needs and structuring appropriate loan products. Expertise in FHA financing and VA loans enables the officer to offer specialized mortgage solutions that comply with government guidelines. Loan closing skills ensure that all documentation and processes are completed accurately and efficiently, minimizing delays. Familiarity with automated underwriting systems allows the officer to quickly assess loan eligibility and streamline approvals. Preferred skills like CRM proficiency and advanced certifications enhance client management and operational efficiency, contributing to superior service delivery and business growth.

    This is a generic Job description. A more detailed Job Description and Duties can be provided upon request.

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    Mortgage Loan Officer • Daphne, AL, United States

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