Mortgage Loan Officer SME
On-siteCalifornia, United States or Los Altos, California, United States
Job Summary
Mortgage Loan Officer SME at JazzX (SAI Group) serving as the single-domain authority for the front end of the mortgage business. You will lead end-to-end origination activities—from lead intake, borrower consultation, qualification, structuring, pricing, lock, to submission—across product, engineering, and operations. You’ll document loan-officer workflows, definitions, and decision logic, translate real-world loan practice into product requirements, and ensure AI-assisted sales and origination experiences faithfully reflect loan-officer work. You’ll embed with the product team to define tone, compliance boundaries, escalation points, acceptance criteria, and edge cases for loan-officer-facing features, map end-to-end front-of-funnel workflows, and address friction points such as complex income, gift funds, DPA programs, and competing offers. The role emphasizes detailed product behavior specification, scenario documentation, and handoff to processing, with a focus on regulatory context (TRID, RESPA, ECOA) and loan-pricing dynamics (DTI, LTV, LLPAs) within mortgage technology platforms (POS/CRM/LOS). Experience translating operational mortgage expertise into scalable product capabilities is required; preferred candidates may have leadership/mentorship experience and prior mortgage-tech exposure. Requirements include 7+ years of origination experience, active NMLS, and knowledge of agency/government/non-QM product guidelines, plus hands-on experience with relevant tech stacks and product/design collaboration.
Required Qualifications
- 7+ years of hands-on U.S. residential mortgage loan origination experience as a producing loan officer (retail, consumer-direct, or broker channels), with a strong personal production track record.
- Active NMLS licensure (current or recent) and working knowledge of federal and state origination compliance requirements (TRID, RESPA, ECOA, state licensing).
- Deep familiarity with agency (Fannie Mae, Freddie Mac), government (FHA, VA, USDA), and common non-QM product guidelines as they apply to qualification and structuring.
- Practical experience with POS, CRM, LOS, and product & pricing engine platforms (e.g., Encompass, Blend, ICE PPE/Optimal Blue or similar) and how data flows between them.
- Demonstrated ability to articulate the loan officer’s day-to-day in detail: lead management, borrower consultation, qualification math, pricing and lock decisions, and pipeline management.
- Excellent written and verbal communication skills; able to document workflows, rationale, and requirements clearly for non-mortgage audiences.
- Skills & Competencies
- Ability to translate sales judgment and tribal knowledge into explicit rules, decision trees, and structured requirements.
- Comfort working daily with product managers, designers, and engineers in a fast-moving software environment.
- Strong attention to detail with a builder’s mindset — energized by turning operational expertise into product capability rather than personal production.
- Credibility and influence: able to represent the loan officer persona convincingly to internal teams and customer stakeholders.
- Preferred
- Experience as a branch manager, sales manager, or top producer mentoring other loan officers.
- Prior involvement with mortgage technology vendors, POS/AI pilot programs, or digital origination initiatives.
- Exposure to consumer-direct call-center origination models in addition to distributed retail.
Desired Qualifications
- 7+ years of hands-on U.S. residential mortgage loan origination experience as a producing loan officer (retail, consumer-direct, or broker channels) with a strong personal production track record
- Active NMLS licensure (current or recent) and working knowledge of federal and state origination compliance requirements (TRID, RESPA, ECOA, state licensing)
- Deep familiarity with agency (Fannie Mae, Freddie Mac), government (FHA, VA, USDA), and common non-QM product guidelines as they apply to qualification and structuring
- Practical experience with POS, CRM, LOS, and product & pricing engine platforms (e.g., Encompass, Blend, ICE PPE/Optimal Blue or similar) and how data flows between them
- Demonstrated ability to articulate the loan officer’s day-to-day in detail: lead management, borrower consultation, qualification math, pricing and lock decisions, and pipeline management
- Excellent written and verbal communication skills; able to document workflows, rationale, and requirements clearly for non-mortgage audiences
- Ability to translate sales judgment and tribal knowledge into explicit rules, decision trees, and structured requirements
- Comfort working daily with product managers, designers, and engineers in a fast-moving software environment
- Strong attention to detail with a builder’s mindset — energized by turning operational expertise into product capability rather than personal production
- Credibility and influence: able to represent the loan officer persona convincingly to internal teams and customer stakeholders
- Experience as a branch manager, sales manager, or top producer mentoring other loan officers (preferred)
- Prior involvement with mortgage technology vendors, POS/AI pilot programs, or digital origination initiatives (preferred)
- Exposure to consumer-direct call-center origination models in addition to distributed retail (preferred)
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