

Loan Officer
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Summary
The Loan Officer is responsible for making sales of mortgage loan packages though proactively soliciting and self-sourcing new residential mortgage business to meet Freedom Mortgage’s loan quality and production goals. The Loan Officer is customarily and regularly conducting sales and engaged in sales activities in a variety of settings spending more than one-half of the workday away from any FMC regular place of business.
Essential Job Functions:
- Establishes, develops and maintains positive relationships with existing and potential customers. Develops, maintains and monitors relationships with client referral sources such as realtors and brokers, builders, developers, financial advisors and other potential referral sources to generate mortgage leads with potential new or existing customers.
- Keeps informed on trends, changes and developments in the local real estate market.
- Keeps up with what competitors are doing by keeping up-to-date with changing rules, regulations and guidelines from FHMA, FHLMC, FHA, and VA in addition to other investors and agencies.
- Keeps informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages.
- Negotiates price, terms and conditions with mortgagors.
- Responsible for the overall customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to: counseling and prequalifying potential home buyers; taking complete and accurate applications; obtaining all necessary support documents along with the appropriate fees and lock-in information; overseeing the loan status to all interested parties; and obtaining loan documentation after closing as directed by corporate or senior management.
- Writes sales reports, plans itineraries and engages in marketing and promotional activities in support of sales goals.
- Stays current on a variety of different sales techniques though ongoing individual and company sponsored training including: Ignite Sales Training for Loan Officers and Product Training.
- Maintains a professional image and standards consistent with company policies and procedures.
- Employee must comply with Company Policies, and all applicable federal, state and local laws, ordinances, rules, regulations, guidelines and other requirements pertaining to the mortgage banking industry, and to the business of Company.
Other Related Duties:
Performs other related duties as assigned from time to time.
Supervisory Responsibilities:
This job has no supervisory responsibilities.
Qualifications:
To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
- Must have a current and active NMLS in good standing
- Must have current and active State Licensing in good standing
- Primary duty is making outside sales. Employee will be customarily and regularly engaged away from the employer’s place of business. Candidate must have experience in this area.
Education and/or Experience:
Bachelor's degree from four-year College or University; or one to two years related experience and/or training; or equivalent combination of education and experience as loan originator.
Certificates, Licenses, Registrations:
See above under Qualifications. Loan officer is not permitted to hold conflicting licenses such as a realtor license.
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Benefits
Career development and advancement
Working at Freedom, you have the chance to invest in yourself. From on-the-job training to advancement opportunities, and from tuition assistance to our annual internal leadership conference, we’re focused on upskilling, achieving, and celebrating.
Learn MorePhilanthropy
We run huge company-sponsored donation events and contests, as well as offer paid volunteer time so you can commit your support to the causes which you care about most.
Learn MoreHolidays and paid time off
We offer ample paid time off including multiple paid holidays — because your downtime and well-being are just as important to us as your time in work mode.
Learn MoreYour Wallet
Our salaries are competitive — rewarding your experiences, contributions, and hard work. We also have a 401K plan which provides a matching contribution.
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Medical
We offer several medical benefits plans and options to choose from including dental, vision, disability and life insurance, dependent care and flexible spending.
Learn MorePet insurance
Pets are part of the family too! We offer comprehensive vet insurance to make sure your cats are cared for, your pups are prioritized, and your lizards looked-after.
Learn MoreJoin us
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