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If you’ve searched for a “Mortgage Loan Officer job description,” you’ve probably seen the same generic format over and over again.
Bullet points. Buzzwords. Responsibilities. Requirements. That’s it.
But here’s the problem: most of these templates don’t help you attract great loan officers—they just help you fill a page.
They skip the real goal of a job post: to make the right person stop scrolling, lean in, and say, “That sounds like a role I’d love.”
And if your job post doesn’t do that, the best candidates won’t apply. They’ll scroll right past you and join a company that feels more aligned, more human, and more exciting.
That’s why we created this guide—to help you write a Mortgage Loan Officer job description that actually connects.
✅ One that reflects your company culture
✅ One that sells the role to the right people
✅ And one that gives you a solid template you can actually reuse
If you want a plug-and-play format and a better understanding of what makes job posts convert, you’re in the right place.
But first—if you haven’t read our full guide on how to write a job post that attracts top talent , Link https://workscreen.io/how-to-write-a-job-post/ , we highly recommend you check it out. It breaks down exactly why most job posts fail, and how to write one that resonates with the kind of people you actually want to hire.
WorkScreen simplifies the hiring process, helping you quickly identify top talent while eliminating low-quality applications. By saving you countless hours and reducing the risk of bad hires, it empowers you to build a team that delivers results
What the Mortgage Loan Officer Role Actually Is
A Mortgage Loan Officer helps people navigate one of the biggest financial decisions of their lives: buying a home.
They guide clients through the entire mortgage process—from initial application and pre-approval to final closing—making sure everything runs smoothly and the customer feels supported at every step.
But this role isn’t just about paperwork or numbers.
A great loan officer is part educator, part advisor, and part problem-solver. They don’t just process loans—they build trust, answer questions, ease stress, and help clients feel confident about a major financial commitment.
And because they often work with underwriters, real estate agents, and internal sales teams, communication, reliability, and organization are just as important as financial knowledge.
In short:
Mortgage Loan Officers turn confusing processes into confident decisions—and your clients will remember them long after the keys are handed over.
Two Great Mortgage Loan Officer Job Description Templates
✅ Option 1: Job Description For Experienced Candidates
📌 Job Title: Senior Mortgage Loan Officer – Help Homebuyers Close with Confidence
🏢 HarborPoint Lending | 💼 Full-Time | 📍 Denver, CO | 💰 $75,000–$120,000 OTE + Commission + Benefits
🎥 Meet Your Hiring Manager
Watch this short 90-second Loom video from Alex, our Sales Director, as he walks you through the team, the opportunity, and why this role matters at HarborPoint Lending.
👉 [Insert Loom or YouTube Link]
Let’s talk about your next big move.
If you’re a licensed Mortgage Loan Officer with a track record of closing deals and building strong client relationships, we want to talk to you.
At HarborPoint Lending, we don’t just push volume. We focus on people. That means giving our team the tools, training, and autonomy to build a sustainable career—without burnout, micromanagement, or red tape.
This is your opportunity to grow your pipeline, work with qualified leads, and help families secure the financing they need—with a team that has your back every step of the way.
Who We Are
HarborPoint Lending is a Denver-based residential mortgage lender focused on simplicity, trust, and long-term client relationships. We’ve helped thousands of families purchase and refinance their homes through a mix of tech-driven tools and truly personal service.
We’re not a call center—we’re a close-knit, high-performing team that takes pride in educating borrowers and supporting each other. If you value ownership, consistency, and culture over chaos and quotas, you’ll feel right at home.
What You’ll Do
● Manage the full lifecycle of the loan process—from application through closing
● Work with buyers, underwriters, processors, and real estate agents to ensure a smooth experience
● Provide expert mortgage guidance tailored to each client’s needs
● Follow up with leads and referrals using our CRM system
● Stay updated on mortgage products, regulations, and market trends
What We’re Looking For
● 2+ years of experience as a licensed Mortgage Loan Officer
● Proven track record of closing residential loans
● Excellent communication and relationship-building skills
● Strong organizational habits and attention to detail
● Active NMLS license (required)
Why This Role Is a Great Fit
● You’ll join a company that values people over quotas
● You’ll work with a steady stream of qualified leads—no cold-calling
● You’ll have the freedom to grow your business without layers of bureaucracy
● You’ll be seen, supported, and trusted to perform without micromanagement
Perks and Benefits
● Transparent commission structure + base salary
● Company-generated leads
● Work-from-home flexibility (2–3 days a week)
● Health, dental, and vision insurance
● PTO + paid holidays
● Paid licensing for additional states
● Quarterly retreats and performance bonuses
How to Apply
We respect your time. That’s why we use WorkScreen—so you’re evaluated based on strengths, not buzzwords.
Click the link below to complete your short, structured evaluation:
👉 [Insert WorkScreen Link]
✅ Option 2: Job Description For Entry-Level / Willing-to-Train Candidates
📌 Job Title: Junior Mortgage Loan Officer (Training Provided)
🏢 HarborPoint Lending | 💼 Full-Time | 📍 Denver, CO | 💰 $40,000–$55,000 base + performance bonuses
🎥 Meet Your Hiring Manager
In this quick Loom video, Gabby from our Training & Development team shares what it’s like to start your journey at HarborPoint and how we support new hires from Day 1.
👉 [Insert Loom or YouTube Link]
You don’t need years of experience to start a great career in mortgage lending—just the right mindset.
If you’re detail-oriented, people-savvy, and motivated to grow, we’ll teach you the rest.
At HarborPoint Lending, we’re building a new kind of mortgage team—one that invests in emerging talent and gives you the tools to build a long-term, meaningful career.
You’ll learn the ins and outs of mortgage lending, support experienced loan officers, and gradually take on your own clients as you grow into the role.
Who We Are
HarborPoint Lending is a boutique mortgage company based in Denver, CO. Since 2015, we’ve helped thousands of first-time homebuyers and refinance clients with one goal in mind: clarity. We blend personalized service with modern tools to make sure every client gets both smart advice and a smooth experience.
Our team is collaborative, growth-minded, and obsessed with doing right by our clients—and each other.
What You’ll Do
● Assist licensed loan officers with document collection, client communication, and file management
● Communicate with buyers to gather information and explain next steps
● Learn how to process and structure loan files under supervision
● Shadow senior team members on client calls and closings
● Study for your NMLS license with company-paid resources
What We’re Looking For
● Strong communication and people skills
● Interest in sales, finance, or real estate
● Tech-savvy and detail-oriented
● Willing to learn, coachable, and consistent
● High school diploma or equivalent required
● Prior customer service or admin experience is a bonus, not a must
Why This Role Is a Great Fit
● We’ll train you from the ground up—no prior experience required
● You’ll be part of a team that values growth, not just performance
● You’ll get mentorship, structure, and the chance to build a long-term career
● You’ll be part of a company that celebrates effort and curiosity
Perks and Benefits
● Paid training + licensing support
● Mentorship from top-performing loan officers
● Internal growth opportunities (with a clear career track)
● Flexible schedule options
● Health, dental, and vision insurance
● Monthly wellness stipend
● Team events, coffee credits, and birthday perks
How to Apply
We take every application seriously—and we know your time is valuable.
Click the link below to apply and complete a short evaluation through WorkScreen. This helps us understand your strengths and give you a fair shot.
👉 [Insert WorkScreen Link]
Don’t let bad hires slow you down. WorkScreen helps you identify the right people—fast, easy, and stress-free
Breakdown of Why These Mortgage Loan Officer Job Posts Work
Let’s break down why these two job posts are so effective—and how they’re different from the generic templates that most companies copy and paste.
✅ 1. The Job Titles Are Clear, Specific, and Purpose-Driven
Instead of a generic title like “Mortgage Loan Officer,” these posts add meaningful context:
- “Senior Mortgage Loan Officer – Help Homebuyers Close with Confidence”
- “Junior Mortgage Loan Officer (Training Provided)”
These titles tell the reader what they’ll do, who it’s for, and hint at the experience level required. They’re specific, human, and help the right candidates self-select before even clicking.
✅ 2. The Introductions Speak Directly to the Candidate
Rather than opening with a robotic list of duties, each job post begins with a short message that speaks to a real person.
- The senior version talks about autonomy, team support, and avoiding burnout—pain points experienced loan officers deeply care about.
- The junior version reassures early-career talent that mindset matters more than credentials—and offers real support from Day 1.
These intros don’t just explain the job—they make candidates feel understood.
✅ 3. There’s a Personal Touch With Video
Adding a Loom or YouTube video directly from the hiring manager or trainer adds trust, transparency, and warmth. It shows there are real people behind the listing, and it gives applicants a sense of the team vibe before they apply.
In today’s market, that personal element can make a massive difference.
✅ 4. The Company Overview Reflects Culture, Not Just Operations
Most job posts have a paragraph that says, “We’ve been in business for X years and offer mortgage services across X states.”
But here, the “Who We Are” sections show:
- The company’s personality (relationship-first, training-first, or growth-focused)
- What makes the team different from high-pressure broker shops
- Why the company values each role, not just the outcome
This helps candidates feel emotionally aligned with the company, not just attracted to a paycheck.
✅ 5. The Responsibilities and Requirements Are Clear and Practical
There’s no fluff—just straight talk about what the role actually entails.
And in the junior version, it’s made explicitly clear that the company is open to training and mentorship. That single choice opens the door to passionate but inexperienced talent that would otherwise self-reject.
✅ 6. The Role “Pitch” Is Separated From the Benefits
Each job post has two distinct sections:
- “Why This Role Is a Great Fit” explains why the job is meaningful, fulfilling, or exciting.
- “Perks and Benefits” clearly lists what candidates get in return—PTO, insurance, paid training, wellness stipends, etc.
Separating these builds trust and gives candidates a full picture—both emotionally and practically.
✅ 7. The Hiring Process Feels Respectful and Transparent
Instead of saying “only shortlisted candidates will be contacted,” these job posts explain that the company:
- Uses WorkScreen for fair, skills-first evaluations
- Respects the applicant’s time
- Will provide updates throughout the process
That simple clarity helps reduce anxiety for applicants and encourages stronger, more confident submissions.
✅ 8. The Tone Is Human, Not Corporate
Every part of these posts—from the wording to the structure—feels like a real person wrote it. There’s no cold legal jargon, no “synergize our cross-functional mortgage lifecycle enablement team” nonsense.
That human voice creates connection. And connection is what makes top talent hit “Apply.”
Example of a Bad Mortgage Loan Officer Job Description (And Why It Fails)
Let’s take a look at the kind of job post that drives great candidates away—and break down exactly what’s wrong with it.
❌ Bad Job Post Example
Job Title: Mortgage Loan Officer
Company: ABC Financial Group
Location: Remote
Job Type: Full-Time
Deadline to Apply: June 30, 2025
Job Summary:
We are looking to hire a Mortgage Loan Officer to join our team. The ideal candidate will originate residential loans, work with borrowers, and process paperwork efficiently.
Responsibilities:
● Originate mortgage loans and manage client pipeline
● Collect and analyze financial documentation
● Submit files for underwriting approval
● Follow up with clients and internal teams
● Meet monthly loan production targets
Requirements:
● Bachelor’s degree in Business, Finance, or related field
● Minimum 3 years’ experience in mortgage lending
● Strong communication and problem-solving skills
● Proficient in MS Office
● NMLS license required
How to Apply:
Email your resume and cover letter to hr@abcfinancialgroup.com. Only shortlisted candidates will be contacted.
❌ Why This Job Post Fails
1. The Job Title Is Vague and Uninspiring
“Mortgage Loan Officer” doesn’t tell candidates who the role is for, what makes it different, or why they should care. There’s no mention of company personality, client focus, or team structure.
2. The Introduction Is Cold and Generic
The summary feels like a line pulled from a software manual. There’s no mission, no vision, no story—just a bland outline of tasks.
3. There’s No Insight Into Company Culture
Nowhere does it explain what the team is like, what the company values, or how employees are supported. A high-performing candidate won’t take the time to imagine what it’s like to work there—they’ll just move on.
4. Responsibilities and Requirements Are Cookie-Cutter
The list of duties could apply to any mortgage role at any company. There’s no context, no specificity, and no connection to real outcomes.
5. No Mention of Salary or Benefits
This signals a lack of transparency—and immediately makes the post feel outdated or transactional. In 2025, serious candidates expect at least a salary range or benefit highlights.
6. The Application Process Feels Dismissive
Saying “Only shortlisted candidates will be contacted” is impersonal and discouraging. It tells applicants their time might be wasted—and it adds unnecessary friction to the process.
7. There’s Zero Personality in the CTA
The call to action is cold and boring: “Email your resume.” No encouragement, no context, no next steps—just a throwaway line at the bottom.
✅ A job post like this might check some HR boxes, but it won’t resonate with high-quality candidates. It lacks humanity, clarity, and differentiation.
Bonus Tips to Make Your Mortgage Loan Officer Job Description Stand Out
Most companies stop after listing responsibilities and requirements—but the best job posts go a step further. Here are some small but powerful additions that can build trust, attract stronger candidates, and improve application quality:
✅ 1. Add a Clear Applicant Privacy & Security Notice
Job scams are on the rise—and candidates are cautious. Reassure them by including a short disclaimer like:
“We take the privacy and security of all job applicants seriously. We will never ask for payment, bank details, or personal financial information at any point during the hiring process.”
This builds instant trust and signals that you’re professional and safe to engage with.
✅ 2. Mention Leave Days or Flex Time
Don’t just list health insurance—talk about how your company supports work-life balance. Even a simple line like this can make a difference:
“Enjoy up to 24 flex days off per year, so you can recharge and come back stronger.”
It’s a small detail, but it speaks volumes to people who are burnt out or have families.
✅ 3. Highlight Training & Growth Opportunities
Whether you’re hiring experienced officers or entry-level candidates, people want to know there’s room to grow. You can say:
“We offer licensing support, mentorship from top producers, and a clear career track into leadership roles if you’re ready for more.”
This attracts ambitious candidates and shows that you’re invested in their development—not just their production.
✅ 4. Add a Loom or Video From the Hiring Manager
People connect with people—not job boards. Including a short video from a manager or team member helps humanize the post, build trust, and create emotional connection.
“Here’s a quick intro video from Alex, our Sales Director, sharing what it’s like to work with us and what success looks like in this role.”
It shows effort—and effort is magnetic.
Here is an example that we used in our master guide on how to write a great job post description , you can check it out here https://www.loom.com/share/ba401b65b7f943b68a91fc6b04a62ad4
✅ 5. Make Your Application Process Feel Respectful and Clear
Don’t leave candidates guessing. Let them know:
- When they’ll hear back
- What happens after they apply
- That you value their time and effort
A sample line:
“We review every application and respond within two weeks. Shortlisted candidates will complete a quick evaluation through WorkScreen before a video interview.”
AI Caution Section — Why You Shouldn’t Rely on AI Alone When Writing Job Posts
In today’s fast-paced hiring world, it’s tempting to rely on AI to instantly generate job descriptions.
Some ATS platforms like Manatal, Workable, and even LinkedIn offer one-click job post generators. But here’s the hard truth:
AI-generated job posts often sound good—but feel empty.
They’re packed with buzzwords. They mimic corporate language. They check the boxes—but they rarely connect with real people.
❌ Why Blindly Using AI Can Hurt Your Hiring
- Your post will sound like everyone else’s. Top candidates are looking for roles that feel different. If your post sounds like a thousand others, it won’t stand out.
- It attracts the wrong applicants. Generic posts invite generic responses—from people mass-applying or using tools like ChatGPT to craft buzzword-heavy resumes.
- It reflects poorly on your company. A job post is often a candidate’s first impression. If it feels rushed, robotic, or vague, you miss the chance to show your culture and values.
✅ The Smarter Way to Use AI
AI isn’t bad—it’s just a tool. The key is to feed it your thinking, not ask it to think for you.
Here’s how to get value out of AI without losing authenticity:
Start with real inputs:
- What does your company actually do?
- What kind of person thrives in this role?
- What are the core responsibilities and soft skills needed?
- What’s the tone and culture of your team?
- What benefits and processes can you genuinely offer?
Then try a prompt like this:
“Help me write a job post for our company, HarborPoint Lending. We’re hiring a Junior Mortgage Loan Officer to help guide first-time homebuyers through the loan process. Our culture is supportive, growth-oriented, and people-first. We want to attract candidates who are coachable, motivated, and great with communication. We offer paid training, wellness benefits, and use WorkScreen to make the hiring process fair. Here are a few notes I’ve written to get started [paste notes here]…”
Feed in your ideas. Use AI to polish, not produce from scratch.
🧠 Pro Tip:
Once your post feels real, human, and aligned with your company—you can ask AI to clean up grammar, simplify complex sentences, or restructure paragraphs for clarity. That’s where AI shines.
If your hiring process is stressful, slow, or filled with second-guessing—WorkScreen fixes that. Workscreen helps you quickly identify top talent fast, eliminate low-quality applicants, and make better hires without the headaches.
Copy-Paste Job Description Templates for Quick Use
✅ Option 1: Conversational, Culture-First Job Description
📌 Job Title: Mortgage Loan Officer – Help Clients Close with Confidence
🏢 [Company Name] | 💼 Full-Time | 📍 [Location] | 💰 [Salary Range + Commission]
If you’re a licensed mortgage loan officer who’s great with people, good under pressure, and passionate about helping clients make smart homebuying decisions—we’d love to talk.
At [Company Name], we’re not about quotas and chaos. We’re about trust, transparency, and making home loans feel simple and stress-free. You’ll get qualified leads, a supportive team, and the tools you need to thrive—without the micromanagement.
🎥 Bonus: Check out this quick intro video from our Sales Director
👉 [Insert Loom or YouTube Link]
Who We Are
[Company Name] is a relationship-first mortgage lender based in [City/Region]. Since [Year], we’ve helped thousands of homeowners through refinancing and first-time purchases—with a blend of technology, education, and real conversation. We believe in treating clients and team members like humans, not transactions.
What You’ll Be Doing
- Guide borrowers from application through closing
● Communicate clearly with clients, underwriters, and agents
● Manage your pipeline using our CRM and systems
● Educate buyers and remove confusion from the process
● Stay up to date on rates, regulations, and loan programs
What We’re Looking For
- Active NMLS license
● 2+ years of experience in residential lending
● Strong relationship-building and communication skills
● Organized, proactive, and client-centered
● Experience with Encompass or similar LOS is a plus
Why This Role Is a Great Fit
- You’ll get qualified leads—not just cold prospects
● We trust our team to manage their own time and process
● You’ll be part of a supportive, collaborative, high-performance team
● You’ll help real people achieve homeownership with clarity and confidence
Perks and Benefits
- Competitive base + commission
● Health, dental, and vision insurance
● PTO + paid holidays
● Remote/hybrid flexibility
● Licensing support for additional states
● Monthly wellness stipend + team retreats
How to Apply
We respect your time. That’s why we use WorkScreen—so you’re evaluated based on strengths, not just resumes.
👉 [Insert WorkScreen Application Link]
✅ Option 2: Structured Format (Job Brief + Responsibilities + Requirements)
📌 Job Title: Mortgage Loan Officer
🏢 [Company Name] | 💼 Full-Time | 📍 [Location] | 💰 [Salary Range]
🎥 Bonus: Check out this quick intro video from our Sales Director
👉 [Insert Loom or YouTube Link]
Job Brief:
[Company Name] is seeking a licensed Mortgage Loan Officer to help clients navigate the residential loan process. You’ll work with buyers, processors, and underwriters to ensure smooth transactions from application to closing. Our ideal candidate is experienced, client-focused, and motivated to grow within a supportive, team-oriented environment.
Key Responsibilities:
● Originate and manage residential mortgage loans
● Maintain contact with borrowers throughout the loan process
● Collect documentation and prepare loan files for underwriting
● Communicate with processors and ensure timely closings
● Provide education and clear updates to clients
Requirements:
● NMLS license required
● 2–3 years’ experience in mortgage lending
● Strong organizational and communication skills
● Familiarity with LOS and CRM systems
● Detail-oriented and comfortable working in a fast-paced environment
Perks and Benefits:
● Competitive base pay + commission structure
● Health, dental, and vision coverage
● 401(k) match
● Paid time off + holidays
● Training and growth opportunities
● Team culture that values transparency and respect
How to Apply:
We use WorkScreen to ensure a fair, skill-based hiring process. Click the link below to complete your short evaluation and get started.
👉 [Insert Link]
Let WorkScreen Help You Hire Smarter
Once your job post is out in the world, the real challenge begins: sorting through applicants to find the right ones.
But here’s the problem—resumes don’t tell the full story.
Some candidates use AI to write polished applications. Others mass-apply with one-click tools. And even great resumes can’t show you how someone actually performs in the role.
That’s where WorkScreen.io comes in.
✅ WorkScreen helps you:
● Quickly identify your top-performing candidates
WorkScreen automatically evaluates, scores, and ranks applicants on a performance-based leaderboard—making it easy to spot top talent, save time, and make smarter, data-driven hiring decisions.
● Easily run skill-based evaluations in one click
With WorkScreen, you can administer one-click skill tests to assess candidates based on real-world ability—not just credentials like résumés and past experience. This helps you hire more confidently and holistically.
● Eliminate low-effort and AI-generated applications
WorkScreen automatically eliminates low-effort applicants who use AI Tools to apply, copy-paste answers, or rely on “one-click apply.” This way, you focus only on genuine, committed, and high-quality candidates—helping you avoid costly hiring mistakes.
● Save hours of screening time
Forget sifting through hundreds of similar-looking resumes. With WorkScreen, you can skip straight to the candidates who’ve proven they can do the job.
● Build a fair, transparent hiring process
Every applicant gets the same structured evaluation—so hiring decisions are based on skill and potential, not who wrote the best cover letter.
Bottom line: If you want to hire better, faster, and more confidently—WorkScreen is your best next step.
FAQ
A strong Mortgage Loan Officer should have a mix of technical, interpersonal, and organizational skills. Look for candidates who demonstrate:
- Clear communication – they should be able to explain complex financial concepts in plain English to clients.
- Empathy and trust-building – buying a home is stressful, and great loan officers put clients at ease.
- Detail orientation – one mistake in documentation can delay the entire process.
- Sales and follow-up ability – they need to move deals forward without being pushy.
- Tech proficiency – comfort using LOS systems, CRMs, and digital documentation tools is a must.
- Regulatory knowledge – staying compliant with ever-changing lending regulations is critical.
Bonus if they also have experience collaborating with real estate agents, underwriters, and processors.
As of 2025 data in the U.S., Mortgage Loan Officers typically earn between $50,000 and $120,000 per year, depending on:
- Experience level
- Loan volume closed
- Whether they are salaried, commission-based, or hybrid
- The company’s comp structure
- Regional cost of living
Top-performing loan officers in high-demand markets can make well over $150,000+, especially when commission incentives are strong.
Not necessarily. While many candidates do have degrees in finance, business, or related fields, it’s not a legal requirement.
The only must-have is an active NMLS license. Beyond that, many successful loan officers built their careers through experience, licensing, and mentorship.
If you’re open to training entry-level talent, look for coachability, professionalism, and strong communication skills over formal education.
It’s easy to confuse these roles, but they serve different purposes:
- Loan Officers are client-facing—they generate business, help clients choose the right loan, and guide them through the process.
- Loan Processors are back-end—they collect documents, prepare files for underwriting, and ensure everything is complete and compliant.
Loan officers are more sales- and relationship-driven, while processors are more administrative and detail-focused.
