Mortgage Community Lending Officer
The Mortgage Community Lending Officer is responsible for originating high-quality residential real estate loans by engaging with community clients, diverse real estate agents, and affordable housing non-profits. This role involves consulting customers on lending solutions, managing client relationships, promoting Confidential Client's mortgage products, and ensuring compliance with lending regulations. The position requires collaboration with internal teams and external partners to drive mortgage sales and support homeownership goals within the community.
About Careertakes
👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
The Mortgage Community Lending Officer will originate residential mortgage loans and build referral relationships with community partners, real estate agents, and nonprofit affordable-housing organizations. This role focuses on delivering excellent client service while driving mortgage sales in the assigned origination territory.
- Consult with customers about financial situations, objectives and lending needs to help them achieve homeownership.
- Collect and analyze customer financial data (income, assets, debts, cash flow, credit history) to evaluate loan options.
- Make lending recommendations and explain the risks, benefits, pricing and calculations of alternative solutions.
- Promote the Confidential Client brand and lending products to real estate agents, builders and community referral partners.
- Conduct customer visits and outreach as needed based on market and client needs.
- Coordinate with Operations, Processors, and Underwriters to ensure timely and accurate loan processing and closings.
- Build and maintain referral pipelines with Realtors, CPAs, builders, and affordable housing nonprofits.
- Introduce clients to other segment partners (Bank, Wealth Management, Small Business, Cards) when appropriate.
- Attend a minimum of 2–3 diverse Realtor and/or affordable housing nonprofit events per month to grow community presence.
- Appropriately assess and escalate risk or control issues; comply with applicable laws, rules and internal policies.
What We’re Looking For
- Residential mortgage experience required.
- 3+ years of previous mortgage sales/origination experience.
- Established relationships with diverse realtor organizations and affordable lending nonprofits within the origination territory.
- Experience with community loan products such as LMI mortgage solutions, lender-paid assistance programs and third-party assistance programs.
- Established book of business strongly recommended.
- FHA/VA and conventional loan experience preferred.
- Strong ability to explain pricing, calculations and lending options to customers.
- Knowledge of consumer lending regulations (fair lending, privacy, RESPA).
- Demonstrated customer service, relationship development and self-motivation.
- Comfortable working independently and as part of an internal referral and operations team.
Education & Licensing
- Bachelor’s degree or equivalent experience preferred.
- This role requires registration as a Mortgage Loan Originator with the Nationwide Mortgage Licensing System & Registry (NMLS) and obtaining a unique identifier before performing mortgage loan originator activities.
Performance & Targets
- Originate a minimum of 3 loans per month.
- Minimum mix requirement: at least 50% of originations must be CRA-eligible or within minority tract areas.
Compensation & Benefits
- Salary range (primary location, full-time): $90,000 - $90,000 per year.
- In addition to base salary, eligible employees may receive discretionary and formulaic incentives/retention awards.
- Benefits include medical, dental & vision; 401(k); life/accident/disability insurance; wellness programs; paid time off and paid holidays. Offerings may vary by jurisdiction, job level and date of hire.
Location & Work Type
- Primary location: Indian Creek, IL (onsite role with community travel).
- Frequent local travel and in-person meetings with clients and referral partners are required.
Keywords & Skills
- Mortgage Community Lending Officer
- Mortgage loan origination
- Mortgage sales and relationship management
- FHA/VA and conventional loans
- Community lending and LMI programs
- NMLS / Mortgage Loan Originator registration
Equal Opportunity & Hiring Transparency
Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.
If you have questions about how your data is used, please contact us directly.
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