Jr. Mortgage Lender

Position Summary

The Mortgage Lender is responsible for guiding borrowers through the mortgage lending process, evaluating loan applications, developing appropriate financing solutions, and ensuring a smooth and compliant closing experience. This role builds strong relationships with borrowers, real estate professionals, and referral partners while meeting production and service goals.

Key Responsibilities

• Meet with prospective borrowers to understand their financial goals, homeownership needs, and financing options.
• Originate and manage residential mortgage loans from application through closing.
• Analyze borrower financial information, credit reports, income, assets, and property details to determine appropriate loan solutions.
• Explain mortgage products, interest rates, fees, terms, and qualification requirements clearly to borrowers.
• Collect and review required documentation and work closely with processors, underwriters, appraisers, title companies, and closing teams.
• Maintain consistent communication with borrowers and referral partners throughout the loan process.
• Develop and maintain relationships with real estate agents, builders, financial professionals, and other referral sources.
• Generate new mortgage business through networking, referrals, community involvement, and business development activities.
• Ensure all lending activities comply with applicable federal and state laws, regulations, investor requirements, and company policies.
• Maintain accurate and timely records in the loan origination system.
• Stay current on mortgage products, lending guidelines, market conditions, and regulatory requirements.
• Meet or exceed established production, customer service, quality, and compliance goals.

Qualifications

• Previous mortgage lending, loan origination, banking, financial services, or related sales experience preferred.
• Strong knowledge of residential mortgage products and the home-buying process.
• Excellent interpersonal, communication, negotiation, and customer-service skills.
• Strong attention to detail and ability to manage multiple loans and deadlines simultaneously.
• Ability to analyze financial information and explain complex lending concepts in an understandable manner.
• Self-motivated, goal-oriented, and comfortable developing new business.
• Proficiency with mortgage loan origination systems and standard office technology.
• Must meet applicable licensing and registration requirements, including NMLS requirements where applicable.

Preferred Skills

• Proven ability to build and maintain referral relationships.
• Strong sales and business-development skills.
• Knowledge of conventional, FHA, VA, USDA, and other residential mortgage programs.
• Excellent follow-up and organizational skills.
• Professional, trustworthy, and customer-focused approach.

Compensation & Benefits

• Competitive base salary and/or commission structure, depending on experience and company model.
• Performance-based incentives.
• Health, dental, and vision insurance.
• Retirement plan with company contribution or matching, where applicable.
• Paid time off and holidays.
• Professional development and training opportunities.

Work Environment

This position may be performed in a branch office.. The Mortgage Lender regularly interacts with borrowers, real estate professionals, lending partners, and internal operations teams.