Location: Viera, FL  

Department: Retail – Southeast

General Business Hours: M-F: 9:00 a.m. – 5:00 p.m. 

Shift: 40 hours per week. Eligible for approved overtime.

Managed by (Title): Branch Manager and/or Assigned Retail Loan Officer 

Compensation: $16.00 - $22.50 per hour + commission

FLSA Status: Non-Exempt

Last Updated: 9/29/2025

SUMMARY

When a top producing Branch Manager or Retail Loan Officer achieves a production level that exceeds the time and effort available from one individual, he or she may choose to build a team of support staff. The Junior Loan Officer is responsible for many Loan Officer activities for the loan origination team. Through professional persistence, the Junior Loan Officer solicits and originates loans that are acceptable to the companies chosen investors and agencies. He/she develops and maintains a strong client referral base by selling the firm’s loan products and services to meet the needs of its client base such as realtors, builders, home buyers, CPA’s, financial planners and others. In essence, the Junior Loan Officer is responsible for growing the team’s production and creating their own production, as well.

KNOWLEDGE, EXPERIENCE AND SKILLS REQUIRED 

Technical Knowledge, Years of Related Experience, Skills, Licenses, and Systems Experience

1. Education: Minimum of a high school diploma required. College Degree in Business or Finance preferred, but not required.
2. Experience: Minimum 1+ years of loan originator experience, loan officer assistant experience, or strong sales experience with demonstrated potential to transfer skills to mortgage origination. Minimum of 1+ year of marketing experience in sales environment. Experience supporting a manager on a day to day basis or experience as an executive assistant.
3. Skills: Detail oriented with strong follow-up skills. Basic math skills (at least a middle school grade level). Interpersonal skills that forge professional relationships and support, strong oral, verbal and written communication skills. Ability to read, write and communicate at a level consistent with the requirements of this position and to generate independents leads for new business. To be knowledgeable and articulate regarding all aspects of the loan products offered such as FHA/VA, FHLMC, FNMA, JUMBO and all other Area, City, State, County and National loan programs that the company offers. Strong skillset in social media marketing and ability to gain customer interaction with such marketing techniques.
4. License: Must obtain or currently have an active Mortgage Loan Originator (MLO) license through NMLS prior to receiving a job offer. 
5. Systems: Experience using Empower Loan Management Software preferred but training is provided. Other systems/platforms are used daily such as Microsoft Office Suite, Adobe, DocuSign, Social Media and more. 

TRAINING REQUIRED

Participate in additional training on sales, technology, products, procedures and pricing on an ongoing basis.  Complete annual training as required by company policy and law on an annual basis in a timely manner.  

RESPONSIBILITIES

• Establish, develop and maintain client referral relationships with Realtors, builders, Developers, CPA’s, financial planners and make sales calls on potential or existing customers in order to develop new business and/or retain existing business.

• Successfully manage marketing on social media for assigned Loan Officer or Branch Manager 

• Receive incoming business from assigned Loan Officer or Branch Manager and address appropriately on behalf of manager 

• Keep informed of trends, changes and developments in the local real estate market and competitor activity.

• To keep up-to-date with changing rules, regulations and guidelines from FNMA, FHLMC, FHA and VA in addition to other investors and agencies.

• To keep informed of all origination, processing, appraisal, underwriting and closing requirements for both company and investor guidelines pertaining to both governments insured and privately insured mortgages.

• Negotiate price, terms and conditions with mortgages.

• Maintain a professional image and standards consistent with company policies and procedures.

Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to:

• Counseling and pre-qualifying potential homebuyers.
• Taking a complete and accurate loan application. 
• Obtaining all necessary support documents along with the appropriate fees and lock-in information.
• Overseeing the loan process by monitoring loan status and ensuring conformity with term.
• Assisting in collecting additional documents and promptly communication loan status to all interested parties.
• Obtaining loan documentation after closing as directed by corporate or senior management.

• Follow through on all professional conditions and continued education requirements for licensure.

• Occasionally participate in branch/headquarter meetings that require attendance.

• Other duties as assigned by the Branch Manager or assigned Retail Loan Officer.

SPECIFIC ACTIVITIES

Attend and participate in all Monthly Awards Ceremonies, Corporate Gatherings & Training Events. Read all newsletters and bulletins to remain current on corporate policies, procedures, and developments. 

DRIVER ELIGIBILITY GUIDELINES

This position requires reliable transportation and the operation of a motor vehicle from time to time in order to perform your required job duties. Drivers must have a valid driver's license of the State they reside in. Additionally, drivers should have at least 2 years of driving experience and be at least 18 years old. Embrace Home Loans reserves the right to enforce additional driver eligibility guidelines as required by law. 

MEASUREMENTS OF SUCCESS

Develop and manage a pipeline of users, referrals, client relationships, etc. 

Increasing customer base via Marketing tactics 

Relationship management and business development.

Customer Satisfaction.

Ability to originate loans for personal and team production.

WORK ENVIRONMENT AND DEMANDS 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment: Office / Hybrid schedule; A hybrid work schedule of 3 days in the office is mandatory.

Possible Work Hazards: Minimal

Physical Demands: Light

OTHER CONSIDERATIONS/DISCLAIMERS

Job Description Disclaimer:

This job description is a general description of essential job functions.     It is not intended as an employment contract, nor is it intended to describe all duties someone in this position may perform.  All employees are expected to perform tasks as assigned by supervisory personnel, regardless of job title or routine job duties.

ADA Compliance:

Embrace Home Loans is an Equal Opportunity and ADA compliant Employer, committed to diversity in the workplace.

Disclaimer for Connecticut Applicants:

The applicant is not required to disclose the existence of any erased criminal history record information, erased criminal history record information are records pertaining to a finding of delinquency or that a child was a member of a family with service needs, an adjudication as a youthful offender, a criminal charge that has been dismissed or nolled, a criminal charge for which the person has been found not guilty or a conviction for which the person received an absolute pardon or criminal records that are erased pursuant to statute or by other operation of law, and

Any person with erased criminal history record information shall be deemed to have never been arrested within the meaning of the general statutes with respect to the proceedings so erased and may so swear under oath.

Work Location Information:

Embrace supports hybrid work where business needs allow, but is rebuilding a community that looks forward to collaboration within an office setting. All remote work, if allowed, must be performed in a state in which Embrace is registered to do business or presently open to payroll withholding, unemployment insurance as well as workers compensation. Those states are as follows: Alabama, Arizona, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, Maryland, Maine, Minnesota, Missouri, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and West Virginia. Even if remote work is permitted, some presence in an office may be necessary based on needs, the nature of work, or in support of corporate sponsored events designed to build community. If your position requires an MLO license, you must be employed within commutable distance of an Embrace office (no home offices) and open to reporting to the office location when required.