Position Summary

The Loan Officer (LO) plays a key role in supporting the mortgage lending process by assisting clients through their home-financing journey. The LO works to develop relationships within the local real estate community and supports borrowers by guiding them through the loan process, from initial contact through to closing, while also collaborating with internal teams such as processing, underwriting, and closing. This is a growth-oriented position designed for individuals building their careers in mortgage lending.

Essential Responsibilities

· Develop and maintain referral relationships with real estate agents, builders, and other industry professionals under the guidance of senior team members.

· Make regular outreach efforts to potential and existing clients to generate new loan opportunities.

· Assist borrowers with understanding loan options and gather necessary documentation for pre-qualification and application.

· Submit complete loan applications and follow up with clients and internal teams to ensure loans are moving smoothly through each stage.

· Keep clients informed of loan status and assist with resolving any issues or delays.

· Stay informed on current mortgage products, interest rates, and general market trends.

· Always represent the company in a professional manner and uphold company values and standards.

· Ensure all customer information is handled securely and confidentially.

Knowledge, Skills and Abilities

· Must meet requirements for Loan Officer licensure under the SAFE Act.

· Strong communication and interpersonal skills, with the ability to build rapport with clients and referral partners.

· Self-motivated with a desire to grow in the mortgage lending industry.

· Strong organizational skills with attention to detail and the ability to manage multiple tasks.

· Familiarity with Microsoft Office Suite and willingness to learn industry-specific software.

· Ability to take direction and work collaboratively with more senior loan officers and internal support staff.

Supervisory Responsibilities

Reporting to this position: No direct reports

Experience and Training

· High school diploma required; college coursework preferred.

· 1-2 years of experience in mortgage, banking, sales, or customer service is helpful but not required.

· Understanding of basic mortgage products is preferred; training will be provided.

· Meet current licensing and registration requirements under the SAFE Act, preferred.

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.
• Paid Time Off: Benefit from paid vacation, holidays, and sick leave to ensure you maintain a healthy work-life balance.
• 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.