67 Best mortgage lending Jobs in Jersey City, New Jersey (April 2026)

Mortgage Loan Officer

22 days ago

New York

Job Description Who we are: Guaranteed Rate Affinity, LLC (“Guaranteed Rate Affinity”) is a joint venture between Guaranteed Rate, Inc (NMLS: 2611) and some of the most recognized real estate brands in the market. Through this joint venture, Guaranteed Rate Affinity provides mortgage origination services to the clients of these well known brands providing LO’s greater alignment, stronger referral flow, and access to premium real estate channels. In addition, Guaranteed Rate Affinity markets its services to consumers and unaffiliated realtor referral sources. What’s the Role? Guaranteed Rate Affinity is currently seeking a hard-working, dedicated VP of Mortgage Lending to join our innovative and passionate team. A VP holds an elevated position within the company and is expected and incentivized to operate like a business owner. Industry expertise, paired with effective delegation and auditing of files from origination through closing, will allow a VP to focus primarily on building relationships and growing their business. A 5-star customer experience and successful Proactive POD Flow Model begins with the VP. Essential Duties and Responsibilities: • Originate first or second purchase mortgage, and refinance loans. Informs prospective loan clients of the underwriting guidelines and applicable government regulations, • Present the advantages and disadvantages of different financial products to determine the best option for each customer’s financial situation, • Set proper customer expectations and provide timely status updates to ensure a positive customer experience, • Collect and analyze information regarding customer income, assets, investments and debts to include multifaceted or complex borrowers, • Completes loan applications and all pre-processing functions in a timely manner, • Conduct day-to-day operations in accordance with the laws, regulations, policies, procedures, and expectations of GRA., • Provide pre-qualifications and take FULL loan applications and answer client questions, • Price and place loans with the appropriate Corporate Objective, • Utilize VP POD Flow Checklist to ensure smooth MC transition and loan process, • Review pipeline reports to delegate and audit file responsibilities daily, • Review underwriting decision and re-set expectations with the borrower and/or referral partners if qualifications or timelines change at any point during the loan process and notify team of applicable changes, • Review active loan files daily and work with the processing team to determine if any documents are missing or what can be done to keep the process moving, • Utilize professional judgement to determine which potential borrowers represent good risk opportunities for the organization, • Loan Level problem solving, including but not limited to restructuring of files as needed, • Routine Pipeline Maintenance including daily assessment of team turn times to minimize lock expirations, anticipated contingencies, and deviation from scheduled closing dates/times, • Change or extend locks and request any necessary pricing expectations as needed, • Track/approve disclosures being sent to borrowers:, • Review LE and CD for accuracy and ensure there are no missing charges, • Verify the borrower’s understanding of the funds required for closing and that funds will be properly sourced from approved accounts, • Build network and community relationships, aggressively promoting GRA to real estate agents, builders, developers, financial planners, and other referral sources to develop partners, solid referral partner relationships and close multiple loans per month, • Attend all scheduled office meetings (daily or weekly) These are to make sure your business is (and stays) on track and to make sure loans are running smoothly, • Focus on marketing and promotional strategies to attract new purchase business, promoting a broad spectrum of mortgage products including but not limited to government, conventional, home equity and additional products within an assigned geographical area, • Complete tasks in a timely manner and work amicably with others, • Other duties and responsibilities as assigned MINIMUM QUALIFICATIONS: Education or Formal Training: • Current state licensing and registration under the National Mortgage Licensing System and Registry, • 3+ years’ experience in the consumer loan industry Knowledge, Skills Abilities: • Excellent verbal and written communication skills with a strong customer service focus, • Strong attention to detail with an emphasis on strong math skills, • Expert knowledge of CFPB disclosure requirements, Guaranteed Rate Affinity POD flow, secondary market pricing scenarios and investor guidelines, • Ability to think strategically and display excellent problem-solving skills., • Self-motivated, entrepreneurial persona with excellent time-management skills, which requires minimal supervision, • Knowledge of and ability to efficiently use technology, various lending software and to work successfully in a paperless environment., • A “sales closing” mentality along with the skills to handle questions and last-minute changes under pressure to help your clients secure their mortgage, • Understand all policies, procedures, and regulations relating to loans, • Telephone sales experience required, • Detail-orientation with efficient focus on work activities, • Ability to delegate in a positive style with thorough follow up skills, • Must have working knowledge of Conventional, FHA, VA, and USDA programs on a multi-investor platform Compensation: This role is a sales role. The loan officer is expected to sell the Company’s products and services by meeting with customers and referral partners, developing relationships and performing other work away from the office. This is a 100% commission-based position, with compensation directly tied to individual sales performance. The ideal candidate will be highly motivated and driven to succeed in a competitive sales environment Additionally, employees may be eligible for a discretionary sign-on bonus, based on experience and qualifications. The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources). NOTE: This job description is not intended to be an exhaustive list of all duties, responsibilities or qualifications associated with this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Guaranteed Rate Affinity is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

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