Mortgage Loan Officer

Golden Bank NA•Houston, TX

50d

About The Position

The Mortgage loan Officer (MLO) is responsible for originating residential mortgage loans through business development, relationship management, and consultative sales. This position is production-driven and accountable for loan volume, pipeline management, credit quality, and regulatory compliance. The MLO serves as the primary point of contact from initial client engagement through application intake and handoff to processing.

Requirements

Active NMLS license
Minimum 5 years residential mortgage lending experience
Strong understanding of agency and portfolio lending
Knowledge of TRID and mortgage regulatory requirements
Proven production history

Responsibilities

Generate new mortgage loan volume through referral networks, Realtors, builders, CPAs, financial advisors, and community outreach.
Develop and maintain a consistent pipeline to meet monthly and annual production goals.
Conduct borrower consultations and recommend appropriate mortgage products.
Serve as the primary borrower contact during pre-qualification and application stages.
Maintain consistent communication with borrowers, processors, underwriters, and closing staff.
Provide accurate rate, product, and fee disclosures.
Ensure strong customer experience throughout the loan process.
Pre-qualify and analyze borrower financials including income, assets, credit, and debt ratios.
Structure loans in accordance with agency, portfolio, and regulatory guidelines (QM/No-QM as applicable).
Submit complete and accurate loan packages to processing.
Comply with all federal and state regulations including:
TRID
RESPA
ECOA
HMDA
Fair Lending
SAFE Act
Maintain NMLS registration and continuing education requirements.
Ensure no steering, misrepresentation, or compliance violations.
Adhere to bank policies and underwriting guidelines.
Work closely with
Branch Association
Loan Processing
Underwriting
Secondary market (if applicable)
Compliance
Closing