Mortgage Loan Originator

HABITAT FOR HUMANITY OF METRO DENVER INC • Denver, CO

9d • $31 - $40 • Hybrid

About The Position

The Mortgage Loan Originator educates and assists borrowers through the closing process and beyond. The role reviews income and credit documentation, prepares loan disclosures and closing documents, and coordinates closing logistics. It takes a proactive approach to loan compliance and borrower education, supports internal lending compliance needs, and provides homebuyers with a positive, informative experience.

The position conducts loan due diligence and compliance reviews; prepares and maintains loan documentation; coordinates with homebuyers, Habitat teams, title companies, insurers, agents, and other stakeholders; and attends closings on behalf of Habitat for Humanity of Metro Denver. It also supports loan sales, lending program development, operational reporting, process improvements, and organizational engagement. The role serves as an Encompass subject matter expert and may coordinate and train volunteers.

The work is primarily indoors at a desk in a shared office or meeting setting, with remote work available under a hybrid model. Employees are expected to work at a Habitat location at least two days per week; additional office days may be required, particularly during the first 6 to 9 months and as needed for this customer-facing role. Some evening and weekend work is required. The position is based at 430 S Navajo St, Denver, Colorado.

Requirements

• At least 2 years of experience in loan processing, underwriting, and/or origination.
• An active Colorado MLO license, or the ability to obtain licensure within a predefined timeframe as a condition of employment.
• Eligibility to pass required CBI and NMLS background checks to take the MLO exam.
• Experience in a client-facing customer service role.
• Demonstrated proficiency in reviewing, interpreting, and explaining mortgage loan documents.
• Advanced skills in word processing, spreadsheets, and database management.
• Experience with Encompass loan origination software by EllieMae, or ability to learn it quickly.
• Excellent written and verbal communication skills.
• Strong research skills.
• Ability to seek solutions independently and work effectively in a small-team environment.
• Ability to maintain detailed and accurate correspondence logs.
• A solid foundation of mortgage experience.
• Ability to manage multiple projects and meet tight deadlines.
• Ability to identify patterns, anticipate challenges, and proactively develop solutions.
• Exceptional organization and attention to detail.
• Excellent interpersonal skills with diverse people and populations.
• Ability to identify and correct mistakes, missing information, and erroneous information in documents.
• Ability to communicate with current and future homeowners with compassion and patience.
• Ability to adapt to changing business needs and provide cross-functional support.
• Ability to maintain confidentiality.
• Valid driver’s license, eligibility for coverage under the company’s insurance policy, and ability to travel to meetings and appointments where public transportation is unavailable.
• Ability to talk on the phone and work at a computer for extended periods.
• Ability to lift and carry up to 25 pounds when necessary.
• Ability to work some evenings and weekends.

Nice To Haves

• Fluency in spoken and written Spanish.
• French or Arabic language skills.
• A related bachelor’s degree, such as in Real Estate, Business, or Finance.

Responsibilities

• Uphold the organization’s commitments to fair housing, equal credit opportunity, and inclusivity, and comply with applicable federal, state, and local laws and regulations, including S.A.F.E. Act requirements.
• Audit financial documents, calculations, and loan information to identify discrepancies, mitigate risk, and ensure accurate, high-quality loan origination.
• Facilitate and monitor preclosing due diligence, including employment verifications, appraisal reports, title commitments, flood certifications, insurance coverage, and supporting financial documentation.
• Prepare closing disclosures through Encompass and save executed documents in relevant homeowner databases.
• Coordinate and communicate contract and closing steps with homebuyers, meeting virtually and in person as needed.
• Review title commitments, legal descriptions, and closing documents for closing and post-closing compliance.
• Coordinate operational processes for new loan products and expanded lending programs with internal departments and external stakeholders.
• Contribute to the development and enhancement of lending products for home sales and expanded financing options for Habitat affiliates.
• Create confidential loan files through accurate data entry in Habitat’s CRM and Homekeeper, and coordinate post-closing needs with Accounting.
• Participate in preparing and delivering reports, metrics, and analytics supporting operations, compliance, and program growth.
• Answer homebuyers’ questions about the closing process, loan terms, escrow, and related topics.
• Support closing schedules across Habitat business lines by monitoring readiness, providing timely information, and collaborating with department leadership, Construction, Finance, and Grants teams.
• Manage stakeholder relationships and serve as a primary liaison among title companies, insurance agents, real estate agents, and internal departments to prepare closing documents and facilitate timely closings.
• Attend all closings on behalf of Habitat for Humanity of Metro Denver.
• Collaborate with the Post Closing Operations Specialist to ensure loan-sale files are complete and correct within one month of closing and work with relevant teams to correct document errors.
• Coordinate additional documentation requested by purchasing banks with buyers, agents, and internal and external partners.
• Coordinate with loan investors on loan swaps or buybacks when sold loans become delinquent, as needed.
• Stay current on Encompass updates, mortgage industry practices, lending trends, regulatory changes, and borrower needs; recommend policy and process improvements.
• Identify workflow improvements and support expansion of homeownership financing programs and strategic lending initiatives.
• Stay current on HOS and Stewardship Policies and Procedures, including program requirements, homebuyer restrictions, and affordability covenants.
• Coordinate, train, and schedule volunteers as needed.
• Adjust priorities and provide cross-functional departmental support during changes in loan volume and operational demands.
• Demonstrate commitment to Habitat’s mission and Cultural Blueprint values.

Benefits

• Medical, dental, and vision insurance options, with the employer paying up to 100% of employee-only coverage.
• 401(k) with employer match up to 4%.
• Paid vacation, holidays, and floating holidays.
• Parental leave.
• Short- and long-term disability.
• Healthy Families and Workplaces Act (HFWA) leave.
• Paid Family and Medical Leave (PFML).
• Paid time to volunteer.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed