Mortgage Loan Officer

2 weeks ago

Boise, United States NeighborWorks Boise Full time
Job DescriptionJob Description

NeighborWorks® Boise (NWB) is a local nonprofit that envisions safe, sustainable homes as the bedrock for a stronger Idaho. We are seeking a detail-oriented Mortgage Loan Officer for our Homeownership Center (HOC) Department. This position will work as part of the Lending department (NHS Lending) and Homebuyer Education and Counseling programs, reporting to the Director of the Homeownership Center. Join us in providing innovative housing solutions for underserved communities. Are you passionate about making a difference? We want to hear from you

Primary Duties and Responsibilities

The Mortgage Loan Officer I will have an active Nationwide Mortgage Licensing System (NMLS) License and Idaho Origination License for the state of Idaho to initiate the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate.

The Mortgage Loan Officer is tasked with executing high-quality mortgage origination, prioritizing responsible lending opportunities to homebuyers and homeowners, particularly focusing on underserved markets to advance the mission of NeighborWorks Boise. This position will oversee the entire lending cycle, from intake to approval and closing. Additionally, this position involves assisting with the preparation and distribution of the Lending Committee report, scheduling meetings, and notifying all participants in advance. This position plays a pivotal role in facilitating the lending process and supporting NeighborWorks Boise's objectives. Responsibilities include, but are not limited to:

  • Serve as initial point of contact for program services and make phone calls to secure client information
  • Act as a liaison between borrower, lender(s), realtor(s) and maintain communications with all parties involved in transactions
  • Collect required documentation along with the Processor for Lending services from applicants and follow up on missing items to ensure complete, accurate, verified files, and complete loan originations process
  • Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness
  • Reviews loan applications, gathers credit histories and reports, and assesses applicants capacity to repay and default risk, using the respective AUS
  • Establish, maintain, and update files, databases, records, and/or other documents for recurring internal reports
  • Coordinate with the Loan Processor to order credit reports, updates and supplements, title reports, and other documentation as needed for re-conveyances, and service-released loans
  • Coordinate with the Loan Processor to prepare correspondence and maintain workflow to meet all deadlines and reporting requirements
  • Maintain communication and notify management of status updates as needed
  • Assist with monthly report packet and presentations for the Lending Committee
  • Prepare DOC order for accounting to wire funds for loan commitments/closings
  • Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages
  • Develop and maintain effective working relationships with borrowers, Lending Committee, CDFI partners, other lenders, consultants, and other staff
  • Provides outreach and education regarding NHS Lending products to potential borrowers, partner organizations, community members and interested parties
  • Assist with department reports as needed (monthly, quarterly, yearly)
  • Performs other duties, as requested

*Above description is not inclusive of all job duties.

Knowledge, Skills, and Abilities

  • Knowledge and experience with affordable housing finance and nonprofit real estate development organizations strongly preferred
  • In-depth knowledge of mortgage loan programs and products (conventional, FHA, VA, USDA) and regulations.
  • Proficient in underwriting, credit risk assessment, and loan processing
  • Updated on market trends, interest rates, and mortgage software
  • Familiar with appraisal, property valuation, and closing processes
  • Strong communication, negotiation, and interpersonal skills
  • Detail-oriented with excellent time management and problem-solving abilities
  • Sales skills and adaptability to policy and market changes
  • Can handle multiple loan applications with confidentiality and discretion
  • Able to remain composed under pressure and explain complex concepts clearly
  • Committed to compliance, trust-building, and continuous improvement
  • Professional demeanor and willingness to cooperatively participate on a team in a mission-based organization

Education and Experience

  • Must be currently licensed with NMLS in Idaho and hold an active Idaho Originators License
  • High school diploma or equivalent required. Bachelor’s degree in business, Finance or other related field a plus
  • 2-5 years of prior experience in mortgage lending, real estate, or related field required
  • 1-2 years Administrative Assistant experience
  • Bilingual in Spanish preferred, not required

Job Type: Full-time

Compensation: Starting compensation of $55,000 or DOE. (This position will also be eligible for additional loan closing incentives).

Benefits:

  • Medical benefits
  • Dental and Vision Insurance
  • 401K Retirement Plan including match
  • Life Insurance
  • Short Term Disability and Long Term Disability
  • Employee Assistance Program (EAP)
  • Paid Time Off
  • Paid Holidays

Qualified candidates must be able to perform essential job functions with or without accommodation. NeighborWorks® Boise is an Equal Opportunity employer.

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