Junior Loan Officer

1 week ago

Charlotte, NC, United States RWM Home Loans Full time
About RWM

RWM Home Loans is a family-owned community mortgage bank with over 3 decades of experience, proudly providing award-winning 5-star service to help clients achieve their home financing goals. Our mission is to empower communities through financial education and homeownership and we're building a team of passionate individuals who share this vision from coast to coast. We offer a wide variety of loan programs with flexible options and tailored consultations, helping us guide clients every step of the way to long-term financial success.

Our commitment to excellence is reflected in our workplace culture, which has earned us repeat recognition as a Top Workplace, with honors for employee appreciation, professional development, well-being, and innovation. With access to upper management and a platform to share your ideas, we're committed to investing in our team members' growth and we offer a variety of development opportunities and growth avenues. Ready to make a difference and advance your career? Join our award-winning team and achieve your career goals with us

Position Overview

As a junior loan officer, you will partner with a senior loan officer by managing incoming client leads from initial contact through closing. This position requires a licensed professional with 1-2 years of experience in residential lending, including expertise in government, conventional, and non-QM products. This is a commission-based role, offering significant earning potential, professional growth opportunities, and the chance to work with a top 1% real estate agent in the Southeast and a top 25% producer in the entire NMLS. We are seeking a dynamic, driven individual to join our fast-paced, high-performing team that delivers a 5-star experience daily.

Key Responsibilities

  • Client Interaction: Serve as the primary point of contact for clients, answering questions, providing updates, and ensuring a seamless loan experience
  • Pipeline Management: Track and manage TBD and active pipelines, providing regular updates to team members
  • Lead Management & Outreach:
    • Handle a high volume of calls and top-of-funnel outreach to ensure immediate follow-up with referrals or responses on our automation tools
    • Operate with urgency on every file, ensuring timely and accurate service
    • Be flexible and willing to work outside normal hours to accommodate referral needs and deadlines
  • Loan Processing Support:
    • Review and verify loan applications for accuracy and completeness
    • Complete income calculations, order automated and manual WVOEs, and obtain AUS findings
    • Submit files for Certified Pre-Approvals and underwriting decisions to Team Processor
    • Coordinate disclosures and maintain compliance with industry regulations
  • Team Coordination:
    • Schedule weekly pipeline calls with loan officer and processor
    • Attend monthly sales, operations, and LOA meetings for training and collaboration
    • Support two established B2B partnerships, supporting our employee engagement efforts and growing a new customer lead channel
  • Knowledge Building: Stay updated on internal workflows, technology, and loan guidelines (conventional, FHA, VA, and non-agency)
  • Compliance: Ensure adherence to company policies and industry standards
Qualifications:
  • Must hold a valid NMLS license
  • 1-2 years of experience in residential lending, including government, conventional, and non-QM products
  • Proficient in Microsoft Office Suite
  • Familiarity with SimpleNexus (nCino), Total Expert, and Canva is a plus
  • Excellent communication and problem-solving skills
  • Bilingual/Spanish-speaking preferred
Compensation:
  • Pay Structure: Commission based compensation on funded loan production
Benefits:
  • Competitive compensation based on experience
  • Opportunities for professional development and career growth
  • A collaborative and supportive work environment
  • Possible benefits if coming on full time (must be closing 1 self-generated loan a month)

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