Mortgage Loan Officer
MERCHANTS & MARINE BANK•Mobile, AL
•Onsite
About The Position
We are seeking a motivated and experienced Mortgage Loan Officer to join our growing team in Mobile, Alabama. The ideal candidate will have a strong background in residential mortgage lending, excellent customer service skills, and hands-on experience with Encompass loan origination software. This role is responsible for guiding clients through the mortgage process, from initial consultation to loan closing, while ensuring compliance with all regulatory requirements.
Requirements
- Minimum of 2 years of experience as a Mortgage Loan Officer or similar role
- Proficiency with Encompass loan origination system
- Active NMLS license (or ability to obtain prior to start)
- Strong understanding of mortgage products, underwriting guidelines, and lending regulations
- Excellent communication, interpersonal, and sales skills
- Detail-oriented with strong organizational abilities
- Self-motivated with the ability to work independently and as part of a team
- Candidates must be authorized to work in the U.S. without the need for current or future company sponsorship.
- Applicants must reside within the geographic footprint of our operating locations.
Nice To Haves
- Established referral network in the Mobile, Alabama area
- Experience working with FHA, VA, Conventional, USDA and Jumbo loan products
Responsibilities
- Originate and manage residential mortgage loan applications from start to finish
- Build and maintain relationships with clients, real estate agents, and referral partners
- Analyze applicants’ financial status, credit, and property evaluations to determine loan feasibility
- Educate borrowers on loan options and guide them in selecting the best mortgage solutions
- Utilize Encompass to manage loan files, documentation, and pipeline efficiently
- Ensure all loans meet company guidelines and regulatory compliance standards
- Maintain consistent communication with clients throughout the loan process
- Meet or exceed monthly production and performance goals
Benefits
- Competitive commission structure (base + commission options may be available)
- Health, dental, and vision insurance
- Paid time off and holidays
- Ongoing training and professional development opportunities
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
