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Centralized Lending Specialist (Mortgage Loan Officer)

Centralized Lending Specialist (Mortgage Loan Officer)

HR Recruiting ServiceCharlotte, NC, United States
4 hours ago
Job type
  • Full-time
Job description

Job Description

We are seeking a experienced and motivated Mortgage Officer to join our clients team in Charlotte, NC. This role is ideal for a client-focused professional who enjoys helping individuals and families achieve their home-ownership and financial goals.

About the Role

As a Mortgage Officer, you'll assist new and existing clients with a range of home lending solutions - from purchasing a new home to refinancing an existing mortgage or obtaining a home equity line of credit. You'll handle inbound and outbound calls in a call center environment, guiding clients through every step of the mortgage process while ensuring an exceptional customer experience.

This position is subject to SAFE Act registration requirements . Employees engaged in residential mortgage originations must register with the federal registry system, complete a background check, and maintain good standing as required by law. Failure to maintain SAFE Act registration may result in disciplinary action, up to and including termination.

Key Responsibilities

  • Provide exceptional client care by understanding each client's financial goals and recommending the most suitable lending solutions.
  • Handle inbound and outbound calls to assist clients with home purchase financing, refinancing, and home equity lines of credit.
  • Submit mortgage applications and assist clients with gathering all required documentation.
  • Communicate consistently with clients and business partners via phone, email, and digital messaging throughout the loan process.
  • Leverage internal systems, technology platforms, and standardized processes to ensure compliance and efficiency.
  • Identify cross-selling opportunities and refer clients to other relevant banking products and services.
  • Balance performance, client satisfaction, and compliance with all federal and state regulations.
  • Maintain a strong understanding of the mortgage process, policies, and risk management standards.

Requirements

Required Qualifications

  • Minimum of 1+ year of mortgage and sales experience .
  • Strong client service orientation with the ability to build trust and deepen relationships.
  • Excellent communication skills (verbal, written, and non-verbal).
  • Proven ability to assess client needs and recommend appropriate financial solutions.
  • Ability to multitask and thrive in a fast-paced, high-volume environment.
  • Proficiency with technology systems and adaptability to new tools or platforms.
  • Commitment to maintaining professional ethics and regulatory compliance.
  • Availability to work weekends or extended hours as needed.
  • Education : High School Diploma, GED, or equivalent required.

    • Desired Qualifications

  • Previous contact center experience .
  • Knowledge of Conventional, Jumbo, and Government loan products.
  • Understanding of FHA and HUD guidelines .
  • Familiarity with underwriting, processing, or closing procedures , as well as federal lending regulations .
  • Ability to analyze complex financial and credit data to determine loan eligibility.
  • Strong consultative and questioning skills to identify client needs and opportunities.

    • Why Join

    This is a great opportunity to grow your mortgage career with a respected financial institution that values integrity, client care, and professional development. You'll work in a collaborative, supportive environment where your expertise directly impacts client success.

    Benefits

    Full Medical Benefits

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    Mortgage Loan Officer • Charlotte, NC, United States