Mortgage Loan Officer

LCNB National Bank

. Originate residential mortgage loans in accordance with LCNB National Bank product guidelines .

Posted 10/24/2026full-timeWorthington • Ohio • United StatesJuniorMid-Level💰 $50,000 - $100,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in originating residential mortgage loans, ensuring compliance with lending laws and regulations while maintaining high production standards. Proficient in building relationships with realtors and financial professionals to drive business growth and customer satisfaction.

Highest-signal resume keywords

2+ Years Experience Originating FHA, VA, USDA, And Conventional LoansNMLS CertificationKnowledge Of Mortgage Underwriting CriteriaStrong Computer Skills Including Microsoft Office SuiteExperience In Federal And State Mortgage Lending Statutes

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan OriginationFinancial AnalysisTax Return AnalysisCredit Policy KnowledgeResidential Lending ConceptsLoan Documentation ReviewMortgage UnderwritingDesktop Originator (DO)Loan Prospector (LP)Compliance With Lending Laws

Soft Skills

Strong Communication SkillsOrganizational SkillsAttention To DetailRelationship BuildingTime Management

Tools & Technologies

Loan Operating SystemMicrosoft Office Suite

Certifications & Qualifications

NMLS Certification

Industry Keywords

Residential Mortgage LoansMortgage ProductionConsumer Financial Protection Bureau ComplianceReal Estate TransactionsMortgage Industry Trends

About the role

Key responsibilities & impact

Originate residential mortgage loans in accordance with LCNB National Bank product guidelines
Process loans according to LCNB National Bank procedures through delivery to an inside processor
Grow mortgage production outside of branches by developing business relationships with realtors, builders, and other professionals
Source mortgage leads from referral relationships and existing book of business
Build and expand a network of referrals as an ongoing source of new business
Collect and review supporting loan documentation
Maintain minimum production and quality standards
Comply with consumer and real estate lending laws and requirements
Solicit residential mortgages from various sources
Develop relationships with realtors, builders, financial professionals, bank stores, past customers, and other sources
Produce high-quality, compliant loans and provide excellent customer service
Maintain visibility for mortgage originations, sales, and business development
Market LCNB National Bank mortgage products and stay informed about mortgage industry trends
Understand real estate appraisals, title reports, and real estate transactions
Review and analyze financial and credit data
Meet applicants, answer questions, and obtain mortgage application information
Collect and upload loan documentation and financial information into the loan operating system
Learn and operate LCNB’s loan origination system
Communicate with processing and underwriting support staff
Maintain customer satisfaction and resolve issues
Maintain communication with customers, realtors, and referral sources
Attend loan closings, sales meetings, and officer meetings
Travel to bank offices and third-party locations as needed

Requirements

What you’ll need

2+ years of experience originating FHA, VA, USDA and conventional loans
High School diploma or GED equivalent
Existing pipeline and book of business of local referral sources
Existing mortgage sales of 600,000 per month
Experience in federal and state mortgage lending statutes, compliance, and regulatory requirements
Knowledge and understanding of mortgage underwriting criteria and residential lending concepts and principles
Experience in personal financial analysis and tax return analysis
Ability to think, reason and communicate clearly
Ability to observe and identify details at close range
NMLS obtained or transferred within 30 days of hire
Strong computer skills and working knowledge of Microsoft Office Suite
Knowledge and understanding of credit, underwriting, credit policy and financial statement analysis
Knowledge of Desktop Originator (DO) and Loan Prospector (LP)
Ability to thrive in a high volume, fast-paced environment
Strong organizational and time management skills with accuracy and attention to detail
Ability to build and maintain positive and effective relationships with others, both internally and externally
Strong written and verbal communication skills with the ability to effectively communicate with associates across the bank, as well as third-party agencies
Strong integrity, work ethic, and ability to achieve desired production results
Ability to work outside of the office 50%+ of the time
Ability to travel to and from bank offices and third-party locations
Must meet Consumer Financial Protection Bureau qualification requirements
Ability to perform essential functions with or without reasonable accommodation

Benefits

Comp & perks

Commission-based compensation opportunity
Target annual earnings of $50,000-$100,000+
May work remotely on occasion
Full-time salaried position
Equal Opportunity Employer/Disability/Veterans