Mortgage Loan Officer (Richmond & Hampton Roads, VA)

Supports the mortgage lending process by completing loan applications, submitting files to processing, and delivering exceptional customer service. Works closely with Senior Mortgage Loan Officers and Sales Managers to create a business plan and build referral sources.

Position Accountabilities

• Completes telephone, mail-away and face-to-face Loan Applications with clients and approves loan disclosures for distribution to clients. All required fields in the application to be completed including all third-party information prior to approval.


• Determines proper program placement of a loan file (i.e. FHA, VA, Conventional, USDA, etc.).


• Prices loans and locks rates as per Company policy.


• Reviews returned applications and documentation for completeness, accuracy, and compliance.


• Runs AUS and reviews for findings and required documentation.


• Prepares requested Pre-Qualifications as per Company policy. Orders credit reports, appraisals and title requests. Conducts regular follow-ups with clients and referral sources.


• Maintains regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required.


• Submits loan file allowing for stated turn times and works in conjunction with assigned Processor.


• Maintains pipeline of all loans in process, tracks their progress and meets all contractual deadlines.


• Assists all parties including the Processor during the entire process.


• Meets or exceeds minimum production requirements.


• Attends all settlements to gain exposure to the full loan life cycle.


• Completes annual Business Plan and meets regularly with Sales Manager.


• Stays informed of local market trends and mortgage regulations.


• Maintain a professional image and standards consistent with company policies and procedures.

Organizational Relationship

Reports to Sales Manager/Area Sales Manager

Position Qualifications

Education & Experience

• 0-2 years of mortgage or financial services experience preferred, or industry equivalent if Sales Manager deems history acceptable.


• NMLS registration required.

Knowledge & Skills

• Strong communication and interpersonal skills with the willingness to learn mortgage products and underwriting guidelines.


• Self-motivated with a desire to grow and ability to work in a team-oriented, fast-paced environment.

We are proud to be an Equal Employment Opportunity employer.  We maintain a drug-free workplace.