Luminate Bank

Mortgage Loan Originator

Luminate Bank
Posted 10/20/2026full-timeRemote • United StatesMid-LevelSeniorWebsite
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Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in mortgage loan origination, including client relationship management, financial analysis, and compliance with lending regulations. Proficient in guiding clients through the mortgage application process while maintaining high customer satisfaction and achieving sales goals.

Highest-signal resume keywords
Mortgage Loan OriginationNMLS LicenseFinancial Documentation AnalysisLoan Origination Systems (LOS)Customer Relationship Management

About the role

Key responsibilities & impact
  • Originate residential mortgage loans by developing and maintaining relationships with real estate agents, builders, and other referral sources
  • Assist clients in selecting the best mortgage product based on their financial situation and goals
  • Guide clients through the mortgage application process, including completing loan applications and gathering necessary documentation
  • Analyze applicant financial status, credit, and property evaluations to determine loan feasibility
  • Present loan options and explain terms and conditions to clients in a clear and understandable way
  • Ensure all loans meet underwriting guidelines and comply with state and federal regulations
  • Communicate with underwriters, processors, and other parties to ensure timely loan approvals and closings
  • Keep current with market trends, loan products, and changes in mortgage regulations
  • Meet established sales goals and maintain high customer satisfaction ratings

Requirements

What you’ll need
  • High school diploma or equivalent
  • Bachelor’s degree in finance, business, or related field preferred
  • Proven experience as a Mortgage Loan Officer, Loan Originator, or similar role
  • Valid NMLS (Nationwide Mortgage Licensing System) license
  • Knowledge of loan origination systems (LOS) and mortgage lending guidelines (e.g., FHA, VA, USDA, and conventional loans)
  • Strong understanding of financial documentation and credit analysis
  • Excellent interpersonal, communication, and sales skills
  • Ability to work independently and manage time effectively
  • High level of integrity and strong ethical standards

Benefits

Comp & perks
  • Competitive compensation reliant on ability and experience
  • Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
  • Life and AD&D Insurance, as well as additional voluntary benefit possibilities
  • 401K with robust company match
  • Flexible PTO program
  • Earned Sick & Safe Time (ESST)
  • The opportunity to work for the Midwest’s fastest growing lender

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Mortgage Loan OriginationFinancial AnalysisCredit AnalysisLoan Application ProcessingUnderwriting Guidelines Compliance
Soft Skills
Interpersonal SkillsCommunication SkillsSales SkillsTime ManagementIntegrity
Tools & Technologies
Loan Origination Systems (LOS)
Certifications & Qualifications
NMLS License
Industry Keywords
FHA LoansVA LoansUSDA LoansConventional LoansMortgage Lending Guidelines