Mortgage Loan Officer

Job DetailsLevel: ExperiencedPosition Type: Full TimeEducation Level: High School Diploma or GEDJob Shift: DayJob Category: FinanceWelcome to BankSouth Mortgage! Accelerate Your Career with Us Imagine a workplace where you’re valued, your work has purpose, and you get to help people achieve the American dream! At BankSouth Mortgage, we’re more than just mortgages; we’re a family committed to excellence, integrity, and community. Dive into a World of Opportunities With us, you’re not just starting a job; you’re stepping into a career full of possibilities! We’re backed by BankSouth, a top-performing community bank, and together, we’re making homeownership dreams come true for thousands every year. Experience Our Unique Culture Leadership That Inspires: Work with creators, dreamers, and doers who lead with passion and responsibility! Power in Commitment: Be part of a team that puts relationships, community, and integrity at its core! Innovative Approach: Enjoy the blend of state-of-the-art technology and extraordinary in-person service! Elevate Your Life with Our Benefits! Comprehensive Health Packages 401k Matching Life & Disability Insurance Employee Assistance Programs FSA & DCA support And Much More! Join Us & Shape the Future Whether you are looking for an exciting career path or a place where your work makes a difference, BankSouth Mortgage is the place for you! You bring your skills and passion; we provide the tools and environment for you to thrive. Your Role Here Matters Every role at BankSouth Mortgage is crucial. Your contribution will not only help families secure their homes but also enrich the communities we serve. Come, be a part of something bigger, and experience mortgage excellence with us! BankSouth Mortgage: Where Dreams Meet Excellence Explore opportunities with us and step into a world where your work is valued, your growth is nurtured, and your success is celebrated! Let’s build something great together!  BankSouth Mortgage is always interested in connecting with experienced, customer-focused Mortgage Loan Officers who are committed to delivering an exceptional mortgage experience. Our Mortgage Loan Officers help customers finance the purchase of residential real estate or refinance an existing mortgage. Depending on the position, Loan Officers may receive company-generated leads, develop business through referral relationships and community involvement, or use a combination of both approaches. Opportunities may include in-house, inside, or outside sales roles. Specific responsibilities, work location, schedule, compensation structure, and exempt or non-exempt classification will vary based on the position and business needs. Essential Responsibilities Guide customers through the mortgage application and financing process from initial consultation through closing. Interview prospective borrowers and complete accurate and thorough loan applications. Evaluate customers’ financial needs and recommend appropriate mortgage products and financing options. Clearly explain loan programs, terms, interest rates, fees, documentation requirements, and next steps. Develop and maintain strong relationships with customers, real estate professionals, builders, attorneys, financial partners, and other referral sources, as applicable. Generate mortgage loan opportunities through company-provided leads, personal business development efforts, or both, depending on the assigned role. Communicate promptly and professionally with borrowers, referral partners, and internal team members throughout the loan process. Collaborate with processors, underwriters, closers, and other team members to support an accurate, efficient, and timely closing experience. Use telephone, email, video conferencing, customer relationship management systems, loan origination software, and other technology to manage customer relationships and loan activity. Meet established goals for loan production, quality, compliance, and customer satisfaction. Follow all BankSouth Mortgage policies, procedures, and documented loan-origination requirements. Protect the confidentiality and security of customer and company information. Maintain compliance with all applicable federal and state laws, regulations, licensing requirements, and fraud-prevention, BSA, and OFAC standards. Assist with audits, examinations, documentation requests, and the resolution of loan exceptions or other issues as needed. Represent BankSouth Mortgage professionally and positively in all customer, business, and community interactions. Perform other duties as assigned. Qualifications/Experience Minimum of two years of recent residential mortgage lending or loan-origination experience preferred. Proven ability to originate mortgage loans, develop referral relationships, manage company-generated opportunities, or a combination of these activities. Must hold and maintain all licenses and registrations required to originate mortgage loans in the applicable state or states. Working knowledge of residential mortgage products, real estate transactions, underwriting guidelines, processing, closing, and regulatory requirements. Strong customer-service, relationship-building, and sales skills. Excellent verbal and written communication skills, including the ability to explain complex mortgage information clearly. Strong organizational, time-management, analytical, and problem-solving abilities. Ability to manage multiple customers, deadlines, and priorities in a fast-paced environment. Proficiency with loan-origination systems, CRM platforms, digital communication tools, and other business technology. Ability to work independently while collaborating effectively with operations and support teams. High level of professionalism, integrity, discretion, and attention to detail. Bachelor’s degree in business, finance, or a related field preferred; equivalent education and relevant work experience will be considered. Work Environment Depending on the opportunity, the position may involve working primarily from a BankSouth Mortgage office, remotely through telephone and digital channels, or in the community developing business and meeting with customers and referral partners. Some positions may require regular travel to business-development activities, community events, real estate offices, attorney offices, or customer meetings. Why BankSouth Mortgage? Our people are the most valuable part of our business and the foundation of the experience we provide. We are committed to building a team of experienced, customer-service-minded professionals who value collaboration, integrity, responsiveness, and exceptional service. This is an evergreen posting used to identify candidates for current and future Mortgage Loan Officer opportunities. Applying to this posting does not guarantee that a specific position is currently available. Candidates whose experience and qualifications align with an available opportunity may be contacted to discuss the role’s specific responsibilities, location, work arrangement, classification, and compensation structure. Please note that BankSouth Mortgage is not working with outside recruiters for this position. Equal Employment Opportunity BankSouth Mortgage is an Equal Employment Opportunity (EEO) Employer committed to diversity in the workplace. It does not discriminate against any qualified employee or applicant on the basis of age, race, color, sex, religion, national origin, disability, protected veteran status, genetic data, gender identity, sexual orientation or other legally protected status.