Lending Spot · 2 weeks ago
Mortgage Loan Officer
Miami, FL
Full-time
Hybrid
Entry, Mid Level
2+ years expLending Spot is seeking motivated and experienced Mortgage Loan Officers to join their growing team. The ideal candidate will work directly with borrowers to originate, structure, and close residential mortgage loans while ensuring compliance with state and federal regulations.
Financial Services
Responsibilities
Originate and manage a pipeline of residential mortgage loans from application through closing
Advise clients on mortgage options including Conventional, FHA, VA, USDA, and Non-QM programs
Maintain compliance with all state and federal lending laws, including RESPA, TILA, ECOA, and HMDA
Gather and analyze financial information such as credit reports, income documentation, and assets to determine loan eligibility
Collaborate with processing, underwriting, and closing teams to ensure a smooth and efficient loan process
Build and maintain strong referral relationships with real estate agents, builders, and other referral partners
Qualification
Required
Must hold a valid NMLS Mortgage Loan Originator license
Must be licensed (or eligible to be licensed) in the state(s) where you intend to originate loans
Must complete all SAFE Act education and testing requirements (Federal and State)
Must have a unique NMLS ID in good standing
Minimum of 2 years of mortgage origination experience (retail, wholesale, or correspondent)
Strong knowledge of Fannie Mae, Freddie Mac, FHA, VA, and Non-QM guidelines
Excellent communication and customer service skills
Self-motivated, disciplined, and tech-savvy with LOS/CRM systems (Encompass, ARIVE, etc.)
Proven ability to meet or exceed production goals
Preferred
Active licenses in multiple states
Existing referral network or client database
Experience with wholesale or correspondent lending channels
Strong knowledge of compliance and disclosure timelines
Benefits
Competitive commission-based pay (basis points per closed loan)
Volume bonuses and production incentives
Marketing and lead support may be available depending on experience and production level
Company
Lending Spot
Lending Spot has swiftly become a trusted name in Florida, powered by a fresh approach and a mission to empower individuals on their homeownership journey.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase