Seasoned Mortgage Loan Officer – Chatham, NJ – Drive Homeownership Success with brighthush’s Innovative Mortgage Solutions & Client‑First Culture

About brighthush

In a world where homeownership is more than a transaction—it's a cornerstone of personal freedom and community stability—brighthush stands at the forefront of the mortgage industry. With a nationwide footprint that spans from bustling urban centers to serene suburban neighborhoods, we are redefining how families, first‑time buyers, and seasoned homeowners navigate the complex journey of securing a mortgage. Our mission is simple yet powerful: to empower every client with transparent, technology‑driven, and ethically sound lending solutions that turn dreams into addresses.

Our culture is built on three pillars: integrity, innovation, and inclusion. We celebrate the unique perspectives of each team member, fostering an environment where curiosity is rewarded and continuous learning is the norm. Whether you’re a seasoned mortgage professional or an ambitious newcomer, brighthush offers a dynamic ecosystem that amplifies your expertise, accelerates your career trajectory, and rewards your commitment to excellence.

Recognized for our inclusive culture, dedication to professional development, and unwavering focus on ethical lending practices, brighthush is the place where talent meets opportunity, and where every success story begins with a single conversation.

Position Overview

We are seeking an Experienced Mortgage Loan Officer to join our high‑performing team in Chatham, NJ. 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, deep 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 directly contribute to brighthush’s growth objectives while ensuring compliance with all regulatory requirements. This full‑time, mid‑level position 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, ensuring each application meets our rigorous underwriting standards.
• Client Advisory: Conduct comprehensive needs assessments, explain loan options in clear, jargon‑free language, and provide actionable guidance that empowers clients to 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 and expand our market reach.
• 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, while continuously seeking ways to improve efficiency and client experience.
• Continuous Learning: Participate in ongoing training programs to stay abreast of industry trends, product offerings, and regulatory changes, and share insights with the broader team.

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 and exceeding sales goals.
• 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 that empowers you to reach new heights:

• Mentorship Programs: Pair with seasoned leaders who provide guidance, career coaching, and real‑world insights.
• 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, broadening your skill set.
• Continuous Education: Access to webinars, workshops, and conferences covering the latest mortgage trends and best practices.

Work Environment & Culture

brighthush fosters a culture of collaboration, innovation, and respect. Our remote‑first approach empowers employees to work from anywhere while staying connected through weekly virtual huddles, monthly town halls, and quarterly in‑person retreats. We celebrate diversity, encourage open dialogue, and reward creativity. Whether you’re a self‑starter or a team player, you’ll find a supportive environment that values your contributions and promotes work‑life balance.

Compensation & Benefits

We offer a competitive base salary of USD 33,113 per year, complemented by a performance‑based commission structure that rewards your success. In addition to the base pay, you will enjoy:

• Generous Paid Time Off: Accrued vacation, sick leave, and personal days.
• Retirement Plan: 401(k) with company match to help you plan for the future.
• Health & Wellness: Comprehensive medical, dental, and vision coverage.
• Professional Development: Reimbursement for industry certifications, conferences, and training courses.
• Employee Assistance Program: Confidential counseling and support services.
• Flexible Work Arrangements: Remote work with optional in‑office collaboration.

Why Join brighthush?

Choosing brighthush means aligning yourself with a forward‑thinking organization that places people—both clients and employees—at the heart of everything we do. You’ll be part of a team that values integrity, embraces innovation, and is committed to making a positive impact on the communities we serve. If you are a motivated, client‑focused mortgage professional ready to take the next step in your career, brighthush offers the platform, resources, and culture to help you thrive.

Ready to Apply?

We’re excited to hear from passionate mortgage professionals who are eager to make a difference. If you meet the qualifications above and are ready to join a company that rewards excellence, please submit your application through the link below.

Apply to brighthush Today