Mortgage Loan Originator

OneTrust Home Loans•Jacksonville, AR

4d•Hybrid

About The Position

The Mortgage Loan Officer is a full-time, hybrid position based in Central Florida. The role originates residential mortgage loans, guides borrowers through the application and approval process, and recommends loan solutions tailored to their financial needs and homeownership goals. The Mortgage Loan Officer serves as a trusted resource, providing exceptional service and supporting clients from initial consultation through closing. The position involves developing new business, consulting with borrowers, managing loan documentation and communication, and collaborating with processing, underwriting, and closing teams. It also requires compliance with company policies, investor guidelines, and applicable federal and state lending regulations, along with maintaining mortgage product and industry knowledge and achieving individual production goals.

Requirements

High school diploma or equivalent required.
Active Mortgage Loan Originator (MLO) license, or the ability to obtain and maintain required state licensing in accordance with NMLS requirements.
Understanding of underwriting principles, including the evaluation of credit, income, assets, collateral, and overall borrower risk.
Strong knowledge of mortgage lending practices, products, and guidelines, including Conventional, FHA, VA, and other residential loan programs.
Previous experience as a Mortgage Loan Officer with a demonstrated ability to originate, develop, and manage a mortgage loan pipeline.
Excellent customer service, communication, and relationship-building skills, with the ability to educate and guide borrowers throughout the lending process.
Demonstrated computer skills in word processing, spreadsheet, and electronic mail software.
Strong communication and interpersonal skills, and a high level of professional integrity.
Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisor.
Strong time management and organizational skills in a dynamic, constantly changing environment.
Attention to detail and quality focused.

Nice To Haves

Associate's or bachelor's degree in Business, Finance, Marketing, or a related field.
Sales, business development, or relationship management experience within the mortgage, financial services, banking, or real estate industries.
Encompass experience.

Responsibilities

Prospect and develop new business opportunities through networking, referrals, and relationship-building activities.
Conduct borrower consultations to evaluate financing needs and recommend appropriate mortgage products.
Guide borrowers through the loan process from application to closing, ensuring a positive customer experience.
Collect, review, and maintain required loan documentation to support loan eligibility and underwriting requirements.
Serve as the primary point of contact for borrowers by providing timely status updates, answering questions, and addressing concerns throughout the lending process.
Collaborate with processing, underwriting, and closing teams to facilitate efficient loan origination and funding.
Ensure compliance with company policies, investor guidelines, and all applicable federal and state lending regulations.
Develop and maintain relationships with referral partners, including real estate agents, builders, financial professionals, and community organizations, to generate business opportunities.
Maintain knowledge of mortgage products, industry trends, and regulatory requirements to effectively assist borrowers and support business growth.
Achieve individual production goals while maintaining high standards of service, quality, and professionalism.
Perform other duties and responsibilities as assigned.