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Mortgage Loan Officer
Operations
Toledo, OH, USA
Posted on Jun 16, 2026
Title: Mortgage Loan Officer
Department: Mortgage Group
Reports to: VP Mortgage Loan Group
Summary:
Mortgage Loan Officers are responsible for originating residential mortgage loans that conform to secondary market guidelines. The origination process includes the following:
Essential Duties and Responsibilities:
- Soliciting referrals from internal Bank partners
- Soliciting referrals from external partners including realtors, builders, financial planners, CPAs, etc.
- Assess a borrower's ability to qualify by thoroughly reviewing their income, assets, credit, and the collateral
- Develop and maintain knowledge of current Fannie Mae, Freddie Mac, and other Investor guidelines in order to maintain the salability of mortgage loans
- Communicate with Processing, Underwriting, and closing functions to ensure a loan moves timely through the stages of the loan
- Stay current with pricing of Conventional, FHA, Non-Conforming loans as well as Fixed vs. Adjustable. It is also the Loan Officer's job to know the Loan Level Pricing Adjustments put in place by Secondary Market
- Develop and maintain knowledge of current Federal regulations related to Mortgage lending
- Be familiar with the Bank's Loan Origination System so that all documentation and data elements comply with current Federal regulations
- Maintain active NMLS registration requirements.
- Comply with all requirements of the Bank Secrecy Act
- Assist supervisor in other duties as assigned.
Job Qualifications:
- Four (4) year degree preferred.
- Minimum of two (2) years mortgage loan origination experience.
- Eligible for active NMLS registration.
Waterford Bank, N.A. is an Equal Opportunity and Affirmative Action Employer. The Bank provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, marital status, amnesty, or status as covered veterans in accordance with applicable federal, state, and local laws.