Senior Loan Officer presso Ruoff Mortgage

Description

Position Summary

The Senior Loan Officer (SLO) serves as the primary company representative to the real estate community, tasked with building and maintaining referral relationships among professionals such as realtors, builders, and developers. The SLO manages the entire loan process, acting as a key liaison between the borrower and internal teams including processing, underwriting, and closing, to ensure a seamless customer experience.

Essential Responsibilities

• Establish and nurture client referral relationships with realtors, builders, developers, and community agencies.
• Conduct regular outside sales calls to prospective and existing clients to generate new business and retain existing relationships. Share rates and program updates with clients weekly.
• Train and mentor Loan Officer Assistants on sales techniques, ensuring adherence to company standards.
• Oversee the entire loan lifecycle, from application to closing, including counseling and prequalifying potential homebuyers, taking complete and accurate applications, gathering required documentation, monitoring loan progress, communicating status updates, and collecting post-closing documentation.
• Ensure all loan applications meet company policies and guidelines.
• Stay updated on trends in the local real estate market, competitive landscape, and evolving rules and regulations related to private and government-insured mortgages.
• Maintain a polished and professional image consistent with company policies and values.
• Handle personal information with the utmost confidentiality and security, both verbally and in writing.

Knowledge, Skills and Abilities

• Must meet all qualifications and standards required for Loan Officer Licensure under the SAFE Act.
• Exceptional ability to read, write, and communicate effectively, with the capability to generate independent leads for new business.
• Strong judgment and ability to meet deadlines while maintaining a high standard of quality.
• Highly organized, with the ability to retrieve information and documents efficiently.
• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) and familiar with mortgage industry software.
• Enthusiastic and driven to achieve personal and company goals.

Requirements

Experience and Training

• High school diploma required; some college preferred.
• Minimum of 1-2 years loan officer experience or proven success in sales role with transferable mortgage origination skills.
• Comprehensive understanding of standard loan products and underwriting guidelines.
• Current registration, licensing, and training obligations under the SAFE Act and relevant laws.

Physical Demands and Work Environment 

Physical Demands:

• Mostly sedentary, however, while performing the duties of this job, the employee is occasionally required to walk; use handheld phone; reach with hands and arms; stoop; talk and hear.
• Extensive reading and computer use is expected to be more than 50% of the time. Receiving and expressing detailed information verbally, in person and by telephone is essential. Must be able to verbally communicate effectively with others.
• Occasionally lift and/or move up to 15 pounds.
• Regular attendance is necessary and essential to this position.
• Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions and responsibilities of this position.

Work Environment:

• Professional atmosphere in a branch environment.
• While performing the duties of this job, the employee may be exposed to weather conditions prevalent at the time. 
• Care must be observed while driving – absolutely no texting while driving.

Job Dimensions 

Internal Collaboration: Area Manager, Branch Manager, Loan Officers, Loan Officer Assistants, Administrative Assistants, Processors, Closers, Underwriters, and other corporate staff.

External Collaboration: Realtors, Brokers, Developers, Builders, Applicants, Appraisers, Title Companies, etc.

Why is Ruoff Mortgage the right career choice? 

• At Ruoff Mortgage, we truly believe that where you work and loving your job matters, so you will receive all the vital resources necessary for your career to take off! Our team is focused on helping our clients achieve their home borrowing goals while providing our employees with a rewarding, professional experience, and a friendly team-oriented work environment. 

We offer a comprehensive Ruoff Total Rewards benefits package designed to support the well-being and success of our employees.  

• Health & Wellness: Enjoy comprehensive health insurance plans, including medical, dental, and vision coverage, to keep you and your family healthy. 
• Retirement Savings: Take advantage of a 401(k) plan with company match to help you plan for your future. 
• Professional Development: We support your growth with training, education, and opportunities for career advancement. 
• Employee Assistance Program (EAP): Access confidential counseling and support services for personal or professional challenges. 

We’re committed to providing our employees with the tools and resources they need to thrive both personally and professionally. 

Ruoff Mortgage reserves the right to modify, interpret, or apply this job description in any manner the company desires. This job description in no way implies that these are the only duties, including essential duties, to be performed by the employee occupying this position. This job description is not an employment contract, implied or otherwise. The employment relationship remains “At Will.” The aforementioned job requirements are subject to change to reasonably accommodate qualified individuals with disabilities. While we thank all candidates for your interest in our company, only those selected for interviews will be contacted. Ruoff Mortgage is an equal opportunity employer.