Loan Officer, Junior - Retail

Job Description

Job Description

Loan Officer, Junior - Retail

Location : East Greenwich, RI Office Location

• Hybrid eligible (Hybrid = at least 3 days in office)

Department : Retail – East Greenwich, RI

General Business Hours : M-F : 9 : 00 a.m. – 5 : 00 p.m.

Shift : 40 hours per week. Eligible for approved overtime.

Managed by (Title) : Branch Manager and / or Loan Officer Supporting

Compensation : $16.00 -$23.00 per hour with commissions / overrides based on performance

FLSA Status : Non-Exempt

Last Updated : 3.14.2025

SUMMARY

The Junior Loan Officer is responsible for playing a key role in supporting Loan Officer activities, including building client relationships with realtors, builders, home buyers, financial planners and others. While supporting Loan Officers, the Junior Loan Officer will receive exposure, mentorship and ability to create their own client base. The Junior Loan Officer has the opportunity to produce and originate loans (with an active license), which will set them on a career path to become a Loan Officer or Senior Loan Officer. If you are passionate about helping clients achieve their dreams to become a home owner, speak Spanish and looking to expand your knowledge base in the mortgage industry, this position is for you!

KNOWLEDGE, EXPERIENCE AND SKILLS REQUIRED

Technical Knowledge, Years of Related Experience, Skills, Licenses, and Systems Experience

TRAINING REQUIRED

Participate in additional training on sales, technology, products, procedures and pricing on an ongoing basis. Complete annual training as required by company policy and law on an annual basis in a timely manner. Follow through on all professional conditions and continued education requirements for NMLS licensure.

RESPONSIBILITIES

Duties would include :

Counseling and pre-qualifying potential homebuyers.

SPECIFIC ACTIVITIES

Attend and participate in all Monthly Awards Ceremonies, Corporate Gatherings (including travelling to headquarters quarterly), attend Sales Calls & Training Events. Read all newsletters and bulletins to remain current on corporate policies, procedures, and developments. Occasionally participate in branch / headquarter meetings that require attendance.

MEASUREMENTS OF SUCCESS

Develop and manage a pipeline of users, referrals, client relationships, etc.

Increase customer base via Marketing tactics

Relationship management and Customer Satisfaction

Ability to originate loans for personal and team production

WORK ENVIRONMENT AND DEMANDS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment : Office / Hybrid schedule

Possible Work Hazards : Minimal

Physical Demands : Light

OTHER CONSIDERATIONS / DISCLAIMERS

Job Description Disclaimer :

This job description is a general description of essential job functions. It is not intended as an employment contract, nor is it intended to describe all duties someone in this position may perform. All employees are expected to perform tasks as assigned by supervisory personnel, regardless of job title or routine job duties.

ADA Compliance :

Embrace Home Loans is an Equal Opportunity and ADA compliant Employer, committed to diversity in the workplace.

Disclaimer for Connecticut Applicants :

The applicant is not required to disclose the existence of any erased criminal history record information, erased criminal history record information are records pertaining to a finding of delinquency or that a child was a member of a family with service needs, an adjudication as a youthful offender, a criminal charge that has been dismissed or nolled, a criminal charge for which the person has been found not guilty or a conviction for which the person received an absolute pardon or criminal records that are erased pursuant to statute or by other operation of law, and

Any person with erased criminal history record information shall be deemed to have never been arrested within the meaning of the general statutes with respect to the proceedings so erased and may so swear under oath.

Work Location Information :

Embrace supports hybrid work where business needs allow, but is rebuilding a community that looks forward to collaboration within an office setting. All remote work, if allowed, must be performed in a state in which Embrace is registered to do business or presently open to payroll withholding, unemployment insurance as well as workers compensation. Those states are as follows : Alabama, Arizona, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, Maryland, Maine, Minnesota, Missouri, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and West Virginia. Even if remote work is permitted, some presence in an office may be necessary based on needs, the nature of work, or in support of corporate sponsored events designed to build community. If your position requires an MLO license, you must be employed within commutable distance of an Embrace office (no home offices) and open to reporting to the office location when required.