Mortgage Loan Officer

Bank of England • Panama City Beach, FL

9h

About The Position

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.

Requirements

• 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.

Nice To Haves

• 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.

What This Job Offers

• Career Level: Mid Level