Job Description

At Service First Mortgage, our unique values serve as a compass for our actions and are the foundation of our culture.

We promote innovation and are purposefully dynamic in our growth processes. We change, not just for the good of ourselves, but for the good of everyone involved. We hire people with the ability to think creatively, who use inspiration and imagination to solve problems by looking at them from unexpected perspectives.

Service First Mortgage is currently hiring for a Team Loan Officer.

The role involves managing the loan process from application to closing, ensuring compliance with FHA, VA, Conventional, Jumbo, and USDA guidelines. Responsibilities include obtaining and reviewing documentation, maintaining communication with key stakeholders, and ensuring timely loan approval and closing.

Key Responsibilities:

• Take a complete, quality loan application and verify borrower eligibility.
• Serve as the primary point of contact for customers, realtors, builders, title agents, and third-party vendors.
• Collect and review all supporting documentation to verify compliance with loan program guidelines.
• Prepare and review initial disclosure packages.
• Run AUS and analyze findings to validate loan eligibility.
• Calculate income to ensure loan qualification.
• Prepare and submit complete loan files to underwriting for approval.
• Review and obtain documentation to clear all underwriting conditions.
• Maintain and update the LOS system with current status and accurate product details.
• Manage loan pipeline effectively, including scheduled reviews, daily tracking, and weekly status updates with customers.
• Manage a pipeline of 20 - 30 loans per month.

Requirements

• High School diploma or equivalent.
• 2+ years of mortgage experience or related sales position.
• Knowledge and understanding of the lending process, federal and state law, and various loan products and guidelines.
• Well versed in mortgage industry customer service, setup, processing, underwriting, closing, and software automation.
• NMLS License required for applicable state(s).

Skills:

• Aptitude for self-development and learning.

• Ability to manage multiple priorities in a fast-paced, dynamic environment with strict time requirements.

• Proficient with MS Office, with a knowledge of industry automation and software.

• Ability to work within a structure, take direction, and be a strong team player.

• High level of integrity, ethics, discretion, and professionalism in handling confidential and sensitive information.

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Short Term & Long Term Disability
• Training & Development
• Work From Home (hybrid)
• Wellness Resources

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