Position Type: Full-Time
Work Arrangement: Hybrid
Locations: Mississippi or Alabama, with opportunities in the Mississippi Gulf Coast, Hattiesburg, Tupelo, and Mobile-area markets
Compensation: Commission Only
FLSA Status: Non-Exempt

Overview

RCLF is seeking an experienced, driven, and customer-focused Mortgage Loan Originator (MLO) to join our team. The MLO will help individuals and families achieve their homeownership goals by providing knowledgeable guidance throughout the mortgage process.

This is a production-focused role for an experienced mortgage professional who can develop business, build strong referral relationships, and manage borrowers from application through closing. The MLO will cultivate relationships with Realtors, builders, developers, and other referral partners while delivering responsive, professional service to borrowers.

What You’ll Do

• Develop and maintain a strong network of referral sources, including Realtors, builders, developers, past clients, personal contacts, and other community partners.
• Prospect for and generate new residential mortgage loan opportunities within assigned markets.
• Consult with prospective borrowers to understand their financing needs and identify appropriate mortgage products and programs.
• Maintain current knowledge of Conventional, FHA, VA, USDA, investor, and RCLF in-house loan programs.
• Review and analyze mortgage applications, credit profiles, income, assets, and supporting documentation.
• Utilize automated underwriting systems, including Desktop Underwriter (DU) and USDA Guaranteed Underwriting System (GUS).
• Review applications and initial loan documentation for compliance with applicable lending and investor guidelines.
• Communicate credit decisions, rates, terms, qualification requirements, and affordability considerations to applicants.
• Structure loans in accordance with appropriate lending practices and applicable federal and state regulations.
• Ensure required disclosures and compliance documentation are completed and delivered within established timeframes.
• Work collaboratively with processing, underwriting, and closing teams to facilitate timely loan closings.
• Maintain a high level of customer service and consistent communication throughout the mortgage process.
• Manage an active pipeline while meeting established production and performance expectations.

Requirements for Success

• Active NMLS Mortgage Loan Originator license required, including applicable state licensing for the market(s) served.
• Minimum of two (2) years of residential mortgage loan origination experience.
• Working knowledge of Conventional, FHA, VA, and USDA mortgage guidelines.
• Demonstrated ability to generate mortgage business through prospecting, networking, and referral relationships.
• Strong sales, relationship-building, and customer service skills.
• Effective verbal and written communication skills.
• Ability to independently manage a mortgage pipeline in a fast-paced, deadline-driven environment.

Conditions of Employment

• Must successfully complete required criminal background and credit checks.
• Must maintain all required NMLS and state mortgage licenses in good standing.
• This is a full-time, hybrid position.
• This position is compensated on a commission-only basis.