Mortgage Loan Originator – Dual Compensation

This is a fully remote position, open to applicants in Florida.

📋 Description

• Drive the production of residential mortgage loans by fostering client relationships and delivering outstanding service.

• Build and sustain a pipeline of mortgage prospects through referrals, community engagement, and networking opportunities.

• Conduct consultations with borrowers to recommend appropriate mortgage solutions.

• Maintain communication with borrowers, realtors, builders, and internal stakeholders throughout the loan process.

• Collaborate with an experienced MLO or a producing sales manager.

• Assist with mortgage pre-qualifications, pre-approvals, and borrower qualifications.

• Gather and verify financial documentation from clients.

• Work alongside management, underwriters, processors, and closing teams to facilitate loan decisions and closings.

• Monitor the progress of loans and address information requests or conditions as they arise.

• Ensure adherence to RESPA, TILA, HMDA, Fair Lending, and all applicable federal, state, and bank regulations.

• Keep accurate records of all loan transactions.

• Stay updated on mortgage programs, market trends, interest rates, and regulatory changes.

• Achieve or surpass production targets.

• Track and report on pipeline activities, conversion ratios, and sources of leads.

• Attend all required sales, division, company-wide, product, compliance, and development meetings, whether in person or virtually.

• Disclose any potential dual-capacity representation to applicants and obtain signed acknowledgments.

• Perform other assigned tasks as needed.

⛳️ Requirements

• Minimum of one year of full-time experience in a licensed Realtor profession, particularly in the Orlando/Central Florida area.

• Commitment to maintain full-time employment in a Realtor or similar real estate position.

• High school diploma or equivalent is required.

• Active NMLS registration or the ability to obtain it, with the capacity to comply with SAFE Act regulations.

• Solid understanding of residential mortgage products, underwriting standards, and the overall loan process.

• Exceptional interpersonal, communication, and problem-solving abilities.

• Capability to work independently, manage multiple loan files, and prioritize deadlines effectively.

• Willingness to work evenings or weekends based on borrower availability.

• Professional representation of the bank at networking and community events is essential.

• Ability to lift up to 15 pounds occasionally.

• Professional attire is mandatory.

• Moderate travel within the assigned market and occasional travel for meetings and events is required.

🏝️ Benefits

• The DCLO role does not qualify for benefits.

• Compensation is based solely on commissions.

• This is a part-time exempt position under the FLSA outside sales exemption.