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 :

• Business Development:

• Develop and maintain a strong network of real estate professionals, builders, and other referral sources.

• Proactively generate leads and cultivate new client relationships.

• Market and sell a variety of mortgage loan products to potential borrowers.

• Client Consultation:

• Conduct in-depth consultations with prospective borrowers to understand their financial needs and goals.

• Analyze credit reports, financial statements, and other documents to pre-qualify borrowers.

• Educate clients on various loan programs (e.g., conventional, FHA, VA) and recommend the most suitable options.

• Loan Processing:

• Complete and submit accurate and complete loan applications.

• Work closely with the loan processor and underwriter to ensure timely and efficient processing of all loan files.

• Manage a pipeline of loans and provide regular status updates to clients and real estate agents.

• Compliance and Knowledge:

• Ensure all loan activities are in strict compliance with federal, state, and company regulations.

• Stay current with changes in mortgage lending laws, interest rates, and industry trends.

• Maintain an active National Mortgage Licensing System (NMLS) license.

• Customer Service:

• Provide outstanding customer service throughout the entire loan process.

• Address and resolve client questions and concerns promptly and professionally.

• Ensure a smooth and seamless closing experience for all parties involved.

Qualifications :

• Experience:

• Minimum of 2-3 years of experience as a Mortgage Loan Officer.

• Proven track record of meeting and exceeding sales goals and origination targets.

• Existing relationships with real estate agents or other referral sources are a plus.

• Skills:

• Active NMLS license is required.

• Strong sales and negotiation skills.

• Excellent interpersonal and communication skills (both verbal and written).

• Proficiency with loan origination software (LOS) and customer relationship management (CRM) systems.

• Exceptional organizational skills and ability to manage a pipeline of loans simultaneously.

• Strong analytical and problem-solving abilities.

• Education:

• High school diploma or equivalent is required. A college degree in finance, business, or a related field is preferred.

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