Seasoned Mortgage Loan Officer – Chatham, NJ – Champion Homeownership Success at brighthush – Innovative Mortgage Solutions, Client‑First Culture, and Career Growth Opportunities

About brighthush

At brighthush, we’re redefining what it means to buy a home. With a nationwide presence and a deep commitment to transparency, technology, and community impact, we empower thousands of first‑time buyers, seasoned homeowners, and real‑estate professionals to achieve their dreams with confidence and clarity. Our culture is built on integrity, collaboration, and continuous learning, ensuring that every team member feels valued, challenged, and inspired to grow.

Whether you are a seasoned mortgage professional or an ambitious newcomer, brighthush offers a dynamic environment where your expertise is celebrated and your career trajectory is accelerated. We are proud to be recognized for our inclusive culture, dedication to professional development, and unwavering focus on ethical lending practices.

Position Overview

We are seeking an experienced Mortgage Loan Officer to join our Chatham, NJ team. In this role, you will be the primary point of contact for prospective homeowners, guiding them through every step of the mortgage origination process—from initial consultation to closing. You will leverage your sales acumen, industry knowledge, and strong interpersonal skills to build lasting relationships with clients, real estate agents, and internal stakeholders.

As a key member of our sales division, you will contribute directly to brighthush’s growth objectives while ensuring compliance with all regulatory requirements. This is a full‑time, mid‑level position that offers the flexibility to work remotely from anywhere in the United States, with the option to collaborate in our Chatham office as needed.

Key Responsibilities

• Mortgage Origination: Identify, qualify, and process mortgage loan applications for a diverse portfolio of residential borrowers.
• Client Advisory: Conduct comprehensive needs assessments, explain loan options, and provide clear, jargon‑free guidance to help clients make informed decisions.
• Application Management: Oversee the entire loan lifecycle—collecting documentation, coordinating with underwriters, and ensuring timely submission to automated underwriting systems.
• Relationship Building: Cultivate and maintain strong relationships with real estate agents, builders, and referral partners to generate new business opportunities.
• Compliance & Risk Management: Stay current on federal, state, and local mortgage regulations; maintain meticulous records to support audit and compliance reviews.
• Performance Metrics: Meet or exceed quarterly sales targets, conversion rates, and customer satisfaction scores.
• Continuous Learning: Participate in ongoing training programs to stay abreast of industry trends, product offerings, and regulatory changes.

Essential Qualifications

• Bachelor’s Degree: Preferred in Finance, Business Administration, or a related field. Equivalent progressive work experience will also be considered.
• Mortgage Origination Experience: Minimum of 2 years in a mortgage lending environment, with a proven track record of closing loans.
• Sales Proficiency: Demonstrated ability to generate leads, negotiate terms, and close deals in a competitive market.
• Regulatory Knowledge: Familiarity with the Home Mortgage Disclosure Act (HMDA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and other relevant statutes.
• NMLS Eligibility: Must be eligible for National Mortgage Licensing System (NMLS) registration and maintain a clean record.
• Background & Credit Checks: Successful completion of comprehensive background and credit screening.
• Communication Skills: Exceptional verbal and written communication abilities; fluency in English is required.
• Technology Proficiency: Comfortable using mortgage origination systems (e.g., Encompass, Calyx) and automated underwriting platforms (e.g., brighthush Desktop Underwriter).

Preferred Qualifications

• Experience with a full spectrum of loan products, including conventional, FHA, VA, and jumbo loans.
• Prior exposure to remote work environments and virtual client interactions.
• Strong analytical skills with the ability to interpret financial statements and credit reports.
• Proficiency in CRM tools such as brighthush CRM.
• Demonstrated commitment to diversity, equity, and inclusion initiatives.

Core Skills & Competencies

• Customer‑Centric Mindset: Passion for delivering exceptional service and building trust with clients.
• Problem‑Solving: Ability to identify obstacles in the loan process and devise creative solutions.
• Time Management: Efficiently juggle multiple applications while meeting deadlines.
• Team Collaboration: Work seamlessly with underwriters, processors, and closing agents.
• Adaptability: Thrive in a fast‑paced, evolving industry landscape.
• Ethical Judgment: Uphold the highest standards of integrity and compliance.

Career Growth & Development

At brighthush, your professional journey is supported by a robust learning ecosystem:

• Mentorship Programs: Pair with seasoned leaders who provide guidance and career coaching.
• Certification Support: Financial assistance for industry certifications such as Certified Mortgage Banker (CMB) or Mortgage Loan Originator (MLO) licensing.
• Leadership Tracks: Opportunities to transition into supervisory, managerial, or product‑development roles.
• Cross‑Functional Projects: Engage in initiatives that span marketing, compliance, and technology teams.
• Continuous Education: Access to webinars, workshops, and conferences covering the latest mortgage trends.