Position Title: Mortgage Loan Officer
Department: Lending/Loan Services
Reports To: Division Leader
Employment Type: Full-Time

About Estate Financial, LLC

At Estate Financial, LLC, we are a growing family-owned business with a mission to provide
transparent, efficient, and client-focused mortgage solutions. We are committed to helping our
clients achieve their homeownership goals through ethical lending practices and personal
services. As we expand, we are looking for a motivated and dynamic Mortgage Loan Officer to
join our team and help our clients navigate the home-buying process.

Position Overview:

The Mortgage Loan Officer (MLO) will be responsible for helping clients secure mortgage
loans by guiding them through the entire loan application and approval process. You will
leverage your knowledge of various mortgage products and lending guidelines to provide
customers with options that suit their financial needs.

Key Responsibilities:

• Client Consultation: Connect with clients to understand their financial goals, credit
  situation, and homeownership plans, providing expert advice on mortgage products, loan
  terms, and interest rates.
• Loan Origination: Assist clients in completing mortgage loan applications and required
  documentation, ensuring accuracy and compliance with all regulatory guidelines.
• Loan Product Expertise: Educate clients on various loan products (e.g., Conventional,
  FHA, VA, USDA, Jumbo, etc.), offering the best options to match their needs.
• Pre-Qualification & Pre-Approval: Perform credit analysis and assess the borrower’s
  financial status to issue pre-approvals and pre-qualifications.
• Application Processing: Collect and review necessary documentation (e.g., tax
  returns, income verification, credit reports) to support loan applications.
• Relationship Building: Develop and maintain relationships with real estate agents,
  builders, financial planners, and other business partners to generate leads and referrals.
• Compliance & Documentation: Ensure all loans comply with federal, state, and local
  regulations, maintaining complete and accurate loan files.
• Pipeline Management: Monitor loan pipeline, ensuring timely follow-up with clients and
  efficient processing of applications through underwriting and approval.
• Customer Service: Provide ongoing support to clients throughout the loan process,
  addressing questions and resolving issues as needed to ensure a positive experience.
• Sales and Business Development: Actively seek new business opportunities by
  networking, attending events, and identifying potential referral sources.

Qualifications:

• Education: Bachelor’s degree in Business, Finance, Economics, or a related field
  preferred (but not required).
• Experience: Minimum of 1 year of experience as a Mortgage Loan Officer or similar role
  in the mortgage industry.
• Licensing: Active Mortgage Loan Originator (MLO) license. In some cases, sponsorship
  may be available for individuals seeking licensure.
• Knowledge: Strong understanding of mortgage products, underwriting guidelines, and
  regulatory requirements (e.g., RESPA, TILA, HMDA).
• Skills:
  ○ Excellent interpersonal, communication, and customer service skills.
  ○ Strong sales, negotiation, and problem-solving abilities.
  ○ Detail-oriented with strong organizational skills to manage a busy pipeline.
  ○ Ability to work independently and collaboratively in a team environment.
  ○ Proficiency with mortgage origination software and Microsoft Office Suite
• Preferred: Experience with loan origination software (LOS), a strong network of industry
  contacts, and prior experience in business development or sales.

Why Join Us:

• Competitive Compensation: Attractive commission structure.
• Benefits: Comprehensive benefits package including medical, dental, vision.
• Career Growth: Opportunities for advancement in a growing company with a supportive
  and dynamic work culture.
• Training & Development: Ongoing professional development and training to help you
  succeed in your role.
• Operating Hours: Monday through Thursday: 9AM EST to 6PM EST and Friday 9AM
  EST to 4PM EST.