Mortgage Loan Officer

Description

About A and N Mortgage Services: 

With hundreds of companies promising low rates and competitive pricing, A and N Mortgage Services stands out by providing efficient loans, the knowledge to find the right loan product for each client and exceptional service. Mortgages are about more than money. Each Mortgage Loan Officer at A and N Mortgage Services takes the time to learn about each homeowner, their families, lifestyles and priorities. With this information, A and N develops a unique home financing strategy that meets the client's specific circumstances and long-term goals. A and N Mortgage. With our loans you're not alone.

Duties and Responsibilities:

The Mortgage Loan Officer is responsible for originating residential mortgage loans by developing relationships with prospective borrowers, evaluating financial needs, recommending appropriate loan products, and guiding clients through the mortgage application and closing process. This role serves as the primary point of contact for borrowers, delivering exceptional customer service while achieving production goals and ensuring compliance with all regulatory and company requirements.

The Mortgage Loan Officer is a motivated sales professional with strong mortgage lending expertise, excellent relationship-building skills, and a proven ability to generate new business through referrals, networking, and community involvement.

• Originate residential mortgage loans in accordance with company, investor, agency, and regulatory guidelines.
• Consult with prospective borrowers to assess financial situations and determine appropriate financing solutions.
• Take complete mortgage loan applications and gather required documentation.
• Analyze borrower income, assets, credit, liabilities, and overall financial qualifications.
• Educate clients regarding available loan products, interest rates, fees, and mortgage program options.
• Present and explain loan estimates, disclosures, and financing terms.
• Maintain regular communication with borrowers throughout the loan process.
• Develop and maintain referral relationships with realtors, builders, financial planners, attorneys, accountants, and other business partners.
• Generate new business through prospecting, networking, marketing campaigns, and community involvement.
• Structure and prequalify loans to maximize approval opportunities while maintaining compliance.
• Collaborate with processors, underwriters, closers, and operations staff to facilitate loan approvals and closings.
• Monitor loan pipelines and proactively address issues impacting timelines or closing dates.
• Ensure all required disclosures and documentation are completed accurately and on time.
• Maintain compliance with all federal, state, agency, and investor regulations.
• Utilize CRM and Loan Origination Systems (LOS) to manage customer relationships and loan activity.
• Participate in sales meetings, training, and continuing education programs.
• Stay informed on mortgage products, interest rate trends, housing markets, and industry regulations.
• Represent the company professionally within the community and mortgage industry.

Requirements

• Strong understanding of mortgage lending practices and residential loan products.
• Knowledge of agency and investor guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and USDA programs.
• Understanding of credit analysis, income calculations, asset review, and debt-to-income evaluation.
• Knowledge of mortgage compliance requirements, including RESPA, TILA, ECOA, HMDA, TRID, and Fair Lending regulations.
• Excellent sales, negotiation, and consultative communication skills.
• Strong relationship-building and customer service abilities.
• Ability to manage multiple loan files and priorities simultaneously.
• Strong attention to detail and organizational skills.
• Proficiency with Loan Origination Systems (LOS), CRM platforms, and Microsoft Office applications.
• Ability to work independently and as part of a team.
• NMLS License is required.