Remote Ohio-Based Senior Mortgage Loan Officer – 3+ Years Experience, Immigrant Community Focus, Commission-Driven Role

Why Join WorkWarp? – A Trailblazing Immigrant‑Focused Mortgage Brokerage

At WorkWarp, we’ve built a reputation as the United States’ first mortgage brokerage that puts immigrants at the heart of everything we do. Our mission is simple yet powerful: empower newcomers, families, and communities to achieve the American Dream of homeownership. Since our launch, we have helped thousands of families navigate the complexities of financing, while championing fair‑housing principles and culturally‑aware service. As we expand our footprint into Ohio, we are seeking a seasoned Mortgage Loan Officer who shares our passion for service, possesses a deep understanding of loan origination, and thrives in a fully remote environment. If you are driven, detail‑oriented, and eager to make a tangible difference in people’s lives, this is the opportunity you’ve been waiting for.

Position Overview – Remote Mortgage Loan Officer (Ohio Residency Required)

This full‑time, 100% remote role invites you to join a dynamic, high‑energy team that combines cutting‑edge technology with a personal touch. You will be the primary point of contact for borrowers throughout the loan application journey, guiding them with expertise, empathy, and regulatory rigor. Compensation is structured as a high‑potential commission model, allowing top performers to earn well beyond market averages while enjoying the flexibility of a work‑from‑home lifestyle.

Core Responsibilities – What You’ll Do Every Day

• Loan Origination & Documentation: Collect, review, and verify all borrower documentation, ensuring completeness and accuracy for each loan file.
• Client Consultation & Education: Explain loan options, interest rates, repayment terms, and eligibility criteria in clear, jargon‑free language, helping clients make informed decisions.
• Regulatory Compliance: Maintain strict adherence to Fair Housing laws, Equal Credit Opportunity Act (ECOA), RESPA, and all state‑specific regulations while protecting client confidentiality.
• Collaboration with Underwriting: Act as the liaison between borrowers and underwriting teams, facilitating timely approvals and addressing any conditional requirements.
• Financial Analysis: Perform thorough financial assessments, calculate debt‑to‑income ratios, credit scores, and other underwriting metrics to determine loan eligibility.
• Relationship Building: Cultivate long‑term relationships with borrowers, real‑estate agents, builders, and community organizations to generate referral pipelines.
• Industry Intelligence: Stay current on market trends, new loan products, rate fluctuations, and regulatory updates; share insights with the team to refine our service offering.
• Technology Utilization: Leverage our proprietary CRM, loan origination software, and digital signing tools to streamline the application process and enhance customer experience.

Essential Qualifications – What We Require

• Licensure: Active Ohio Mortgage Loan Originator (MLO) license in good standing.
• Experience: Minimum of three (3) years in a mortgage brokerage or lender environment, with a proven track record of closing residential loans.
• Knowledge Base: Strong familiarity with loan products (conventional, FHA, VA, USDA), underwriting guidelines, and mortgage servicing practices.
• Communication Skills: Exceptional verbal and written communication abilities; able to explain complex financial concepts in a friendly, approachable manner.
• Customer Service Orientation: Demonstrated commitment to delivering outstanding client experiences and resolving issues promptly.
• Technology Proficiency: Comfortable using cloud‑based loan origination platforms, CRM systems, e‑signature software, and video‑conference tools.
• Location: Must reside in Ohio and have a reliable high‑speed internet connection suitable for remote work.

Preferred Qualifications – Nice‑to‑Have Extras

• Experience working with immigrant or multilingual borrower populations.
• Additional certifications such as Certified Mortgage Banker (CMB) or Certified Residential Mortgage Specialist (CRMS).
• Proficiency in a second language (Spanish, Mandarin, Arabic, etc.) to broaden community outreach.
• Familiarity with alternative lending programs, renovation loans, or reverse mortgages.
• Demonstrated success in a commission‑driven sales environment, consistently exceeding quotas.

Key Skills & Competencies – The Traits of a Top Performer

• Analytical Acumen: Ability to dissect financial statements, credit reports, and property appraisals quickly and accurately.
• Negotiation & Persuasion: Skilled at guiding borrowers toward the best loan solution while maintaining the brokerage’s risk appetite.
• Detail‑Oriented Execution: Meticulous attention to documentation, deadlines, and compliance checkpoints.
• Self‑Motivation: Thrives in a remote setting with minimal supervision, setting personal goals and managing time effectively.
• Team Collaboration: Works seamlessly with underwriters, processors, and marketing teams to deliver a cohesive borrower experience.
• Adaptability: Comfortable navigating shifting market conditions, new product launches, and evolving regulatory landscapes.

Career Growth & Learning Opportunities

At WorkWarp, we view every employee as a long‑term partner in our success. As a Mortgage Loan Officer, you will have access to:

• Mentorship Program: Pairing with senior loan officers and industry veterans for ongoing coaching and skill refinement.
• Continuous Education: Sponsorship for industry webinars, licensing renewals, and advanced certifications (e.g., CMB, CRMS).
• Leadership Pathways: High‑performing loan officers can progress to Senior Loan Officer, Team Lead, or Branch Manager roles as we expand across Ohio and beyond.
• Technology Training: Hands‑on instruction in the latest loan origination platforms, data analytics tools, and digital marketing strategies.
• Networking Events: Invitations to community outreach programs, industry conferences, and virtual meet‑ups that broaden professional networks.

Culture, Values, & Work Environment

WorkWarp prides itself on a culture that blends entrepreneurial spirit with a deep sense of community responsibility. Our core values include:

• Integrity: Ethical conduct in every client interaction and business decision.
• Inclusivity: Celebrating diversity, especially the rich cultural backgrounds of the immigrant families we serve.
• Innovation: Leveraging technology to simplify loan processes and improve borrower outcomes.
• Collaboration: Open communication channels, virtual “water coolers,” and regular team huddles that foster shared success.
• Empowerment: Providing the autonomy to shape your own schedule while holding you accountable for performance.

Our remote setup is designed for productivity and work‑life balance. Each team member receives a stipend for home‑office equipment, high‑speed internet reimbursement, and access to a virtual wellness program that includes mental‑health resources, fitness challenges, and mindfulness workshops.

Compensation, Perks, & Benefits – What You’ll Receive

• Commission‑Based Earnings: Unlimited upside with a competitive commission structure that rewards high‑volume closings.
• Performance Bonuses: Quarterly incentives for surpassing loan production targets.
• Remote Work Stipend: Quarterly allowance for ergonomic furniture, office supplies, and technology upgrades.
• Professional Development Fund: Annual budget to cover licensing fees, certifications, and industry conferences.
• Health & Wellness: Access to a partner‑provided health insurance marketplace, tele‑medicine services, and a wellness app subscription.
• Paid Time Off (PTO): Generous accrual policy that supports holidays, personal days, and mental‑health breaks.
• Community Impact Programs: Opportunity to participate in volunteer initiatives that support immigrant families and local housing nonprofits.

How to Apply – Take the Next Step Toward a Rewarding Career

If you are ready to leverage your mortgage expertise while making a meaningful impact on Ohio’s vibrant immigrant communities, we encourage you to apply today. Submit your résumé, a cover letter highlighting your relevant experience, and any certifications you hold. Our recruiting team will review your application promptly and reach out to schedule a virtual interview.

Ready to Join the WorkWarp Family?

Take the first step toward a fulfilling, high‑earning, and purpose‑driven career. Click the link below to submit your application and become a vital part of our growing success story.

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