Mortgage Loan Originator

Description

Position Summary

The Mortgage Loan Originator is responsible for originating residential mortgage loans while serving as a trusted advisor to clients and referral partners.

At American Bancshares Mortgage, Loan Originators are supported by an experienced operations, underwriting, and secondary marketing team committed to helping structure, support, and close compliant, salable loans. This role is designed for originators who value strong credit support, knowledgeable guideline interpretation, and a company culture that prioritizes collaboration and reputation protection.

The Mortgage Loan Originator works closely with Processing, Underwriting, Closing, and Leadership to ensure loans are structured correctly and executed efficiently from application through funding.

Key Responsibilities

Loan Origination & Structuring

• Originate residential mortgage loans in compliance with federal, state, and investor guidelines
• Meet with applicants to gather financial information and evaluate lending needs
• Analyze credit, income, assets, and collateral to determine loan eligibility
• Structure loan files in accordance with Agency (Fannie Mae & Freddie Mac), Government (FHA, VA, USDA), Jumbo, and Non-QM guidelines
• Ensure applications are complete and properly positioned prior to submission

Sales & Relationship Development

• Cultivate and maintain referral relationships with Realtors, builders, financial advisors, and other partners
• Represent ABSM professionally at networking and industry events
• Deliver a high-level client experience from application through closing
• Maintain consistent communication with borrowers and referral partners

Collaboration & Execution

• Partner proactively with Processors and Underwriters to maintain pipeline momentum
• Work closely with underwriting to structure complex scenarios within guideline parameters
• Address conditions and documentation needs promptly
• Escalate complex structuring or guideline questions appropriately

Compliance & Professional Standards

• Maintain working knowledge of:
• RESPA, TILA, TRID, HMDA, ATR/QM
• Federal and state regulatory requirements
• Investor overlays and agency guidelines
• Ensure full compliance throughout the loan lifecycle
• Maintain accurate documentation within the Loan Origination System

Product & Guideline Expertise

• Conventional (Fannie Mae & Freddie Mac)
• FHA, VA, USDA
• Jumbo
• Non-QM (Bank Statement, DSCR, Asset Depletion, etc.)
• HELOCs, Second Mortgages, Down Payment Assistance programs

Requirements

Qualifications & Requirements

• Active NMLS license required
• Proven residential mortgage origination experience
• Strong working knowledge of Agency and Government guidelines
• Experience structuring Conventional and Non-QM loan scenarios preferred
• Proficiency in Encompass or comparable LOS
• Strong communication and relationship-building skills
• Ability to manage deadlines and pipeline volume in a fast-paced environment
• High level of professionalism and integrity
• High School Diploma or equivalent required 

Core Competencies

• Loan Structuring & Product Knowledge
• Agency & Non-QM Guideline Awareness
• Relationship Development
• Compliance Discipline
• Communication & Collaboration
• Pipeline Management 

Why Originators Choose ABSM

• Experienced GSE and Non-QM underwriting support
• Dedicated operational partnership from application to funding
• Secondary marketing expertise to protect pricing and execution
• Leadership accessibility for complex scenarios
• A team culture that values compliance, salability, and your professional reputation

At ABSM, you are not originating loans alone — you are supported by a knowledgeable team committed to helping you close confidently and compliantly.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Travel is required.
• Frequently required to stand, walk, sit, and travel between various locations.
• Frequently required to use hands to finger, handle, or feel, and reach with hands and arms.
• Occasionally required to climb or balance, stoop, kneel, crouch, or crawl.
• Frequently lifts and/or moves up to 10 pounds and occasionally lifts and/or moves up to 20 pounds.
• Specific vision abilities required by this job include close vision, color vision, and ability to adjust focus.

This description outlines the basic responsibilities and requirements for the position noted. This is not a comprehensive listing of all job duties. Duties, responsibilities and activities may change at any time with or without notice.