NeighborWorks® Boise (NWB) is a local affordable housing nonprofit that helps Idahoans obtain, maintain, and retain housing. We are seeking a motivated and mission-driven Mortgage Loan Officer to help individuals and families achieve sustainable homeownership. Join us in providing innovative housing solutions for underserved communities!
Primary Duties and Responsibilities :
The Mortgage Loan Officer is responsible for originating quality residential mortgage loans while promoting responsible lending opportunities in alignment with NWB’s mission. This position requires an active NMLS license and Idaho Mortgage Loan Originator license. The Loan Officer guides borrowers through every step of the mortgage process, ensuring compliance with lending regulations, fostering community partnerships, and supporting long-term homeownership success through education and outreach. Key responsibilities include, but are not limited to :
Loan Origination and Client Relations
- Meet with prospective borrowers to assess financing needs and recommend appropriate loan products
- Collect and review financial documentation (income, credit, assets, liabilities) for accuracy and completeness
- Educate borrowers on loan options, terms, and homeownership responsibilities
- Submit accurate loan applications to processing and underwriting, coordinate through closing
- Maintain open, supportive communication with borrowers throughout the process
Community Outreach and Partnerships
Promote and market NWB loan programs, grants, and services through community and partner engagementBuild relationships with real estate agents, financial institutions, and housing counselorsRepresent NWB at community events and housing fairs to raise awareness of lending programsCollaborate with internal departments to integrate financial education and counseling with lending activities to improve borrower success and loan performanceCompliance and Risk Management
Ensure all loans comply with federal, state, investor, and NWB lending policiesSafeguard confidential client information and adhere to data privacy and record retention standardsStay current on lending regulations, market trends, and affordable housing programsComplete all continuing education and licensing renewals as requiredAdministration and Reporting
Track pipeline activity and meet production goals consistent with NWB’s missionMaintain detailed and accurate loan files in Encompass LOSAssist with reports for the Lending Committee and regulatory complianceAbove description is not inclusive of all job duties.Knowledge, Skills, and Abilities
Working knowledge of residential mortgage products, lending regulations, compliance regulations, federal standards, and affordable housing programs (including conventional, FHA, VA, and USDA loans)Excellent communication, interpersonal, and customer service skills with ability to explain complex information clearlyProficiency in loan origination systems and software (Encompass LOS, Microsoft Office Suite)Upholds confidentiality and professionalismBilingual in Spanish preferred, not requiredEducation and Experience
Active NMLS and Idaho Originator's License requiredBachelor's degree or equivalent experienceTwo plus years in mortgage lending or related fieldsExperience in mortgage lending, financial services, or affordable housing is preferredExperience working with community lending programs is highly valuedJob Type : Full-time
Compensation : Hourly base pay starting at $20.00 plus commission on brokered loans (not including ramp-up period)
Benefits :
Medical benefitsDental and Vision Insurance401K Retirement plan including matchLife InsuranceShort Term and Long Term DisabilityEAPPaid Time OffPaid HolidaysQualified candidates must be able to perform essential job functions with or without an accommodation. NeighborWorks® Boise is an Equal Opportunity Employer.