Job Description
Job Description
Job Summary:
Jacobs Realtors is seeking a dynamic and results-driven Mortgage Loan Officer to join our growing team. The ideal candidate will be responsible for originating and closing mortgage loans for clients, building a strong pipeline of business, and providing exceptional customer service. This role requires a strong sales background, a deep understanding of mortgage products, and the ability to guide clients through the entire loan application process from start to finish.
Responsibilities:
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Business Development:
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Develop and maintain a strong network of real estate professionals, builders, and other referral sources.
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Proactively generate leads and cultivate new client relationships.
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Market and sell a variety of mortgage loan products to potential borrowers.
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Client Consultation:
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Conduct in-depth consultations with prospective borrowers to understand their financial needs and goals.
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Analyze credit reports, financial statements, and other documents to pre-qualify borrowers.
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Educate clients on various loan programs (e.g., conventional, FHA, VA) and recommend the most suitable options.
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Loan Processing:
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Complete and submit accurate and complete loan applications.
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Work closely with the loan processor and underwriter to ensure timely and efficient processing of all loan files.
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Manage a pipeline of loans and provide regular status updates to clients and real estate agents.
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Compliance and Knowledge:
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Ensure all loan activities are in strict compliance with federal, state, and company regulations.
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Stay current with changes in mortgage lending laws, interest rates, and industry trends.
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Maintain an active National Mortgage Licensing System (NMLS) license.
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Customer Service:
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Provide outstanding customer service throughout the entire loan process.
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Address and resolve client questions and concerns promptly and professionally.
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Ensure a smooth and seamless closing experience for all parties involved.
Qualifications:
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Experience:
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Minimum of 2-3 years of experience as a Mortgage Loan Officer.
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Proven track record of meeting and exceeding sales goals and origination targets.
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Existing relationships with real estate agents or other referral sources are a plus.
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Skills:
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Active NMLS license is required.
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Strong sales and negotiation skills.
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Excellent interpersonal and communication skills (both verbal and written).
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Proficiency with loan origination software (LOS) and customer relationship management (CRM) systems.
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Exceptional organizational skills and ability to manage a pipeline of loans simultaneously.
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Strong analytical and problem-solving abilities.
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Education:
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High school diploma or equivalent is required. A college degree in finance, business, or a related field is preferred.