Independent Financial

Sr. Mortgage Loan Originator: Greater Houston Area

Job ID
Time Type
Full time
2661 Royal Forest Drive
# of Openings
City, State


The incumbent originates mortgage files and assists with processing and underwriting conditions when necessary. This is a full-time/non-exempt position with full benefits and is primarily commission-based. The person hired may work from any of our available branches.

Job Description


  • Pre-qualifies all borrowers for both interim and permanent real estate loans.
  • Gathers all necessary loan documentation from customer to submit loan.
  • Inputs loan application on Mortgage Origination software, evaluates documents and compares for accuracy.
  • Responsible for ordering credit reports through the bank’s software and making a printed copy.
  • Submits loan documentation for approval.
  • Orders appraisals and title work when needed.
  • Assists Processors by helping compile conditions of loan approvals to submit to underwriting for final approval.
  • Back-up closing function when necessary by ordering documents, complete fee sheets and schedule closings.
  • Compares competitive mortgage rates daily and price the Bank’s daily quotes when necessary.
  • Locks in interest rates with lender on lender software when necessary.
  • Submits monthly commission report to manager by the first working day after month end (using Word and Excel)
  • Completes compliance and other job related training as required
  • Refers unusual or suspicious activities or transactions to the BSA officer immediately
  • Complies with all department and bank policies and procedures and maintains compliance with State and Federal Regulations
  • Contributes to the fulfillment of the department and the bank objectives and goals
  • Performs as a team member, and completes any other job-related duties as assigned 


  • High School Diploma or equivalent.  Education should include the successful completion of recent mortgage courses (conventional and FHA lending).  Must have a thorough knowledge of mortgage regulations, as well as the recent changes on guidelines for all 1-4 family residential loans.
  • Minimum of 4 years of experience in all aspects of mortgage lending and originating.
  • Ability to proficiently use a computer, including knowledge of Windows based software.
  • Detailed oriented and well organized.
  • Strong customer service skills.
  • High degree of accuracy.
  • Ability to review appraisals.
  • Knowledgeable in using various types of mortgage software applications.
  • Proficient ability to run Automated Underwriting Systems.
  • Familiar with all mortgage compliance laws (RESPA, HMDA, REGZ, etc).
  • Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.


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