Loan Officer Resume Example (2026 Guide)
Loan Officer resume example
A complete sample in the Modern template FitMyRole exports. The person and employers are fictional; the structure, skills and bullet style are what to copy.
Remy Thibodeaux
[email protected] • (555) 013-4417 • Charlotte, NC • linkedin.com/in/remythibodeaux
Professional Summary
Mortgage Loan Officer with 7 years of licensed origination experience across purchase and refinance loans in conventional, FHA, VA, USDA and jumbo programs in the Charlotte market. Funded $64M in volume across 212 loans in 2024 and 2025 with a 91% pull-through rate from application to close, and draws most new business from a referral network of 38 active real estate agents and two builders. Manages a pipeline of 25 to 35 active files in Encompass and keeps every file inside TRID and RESPA timelines. Works side by side with processors and underwriters so borrowers hear about every condition early, from one person.
Skills
- Mortgage Origination: Purchase and refinance origination, conventional, FHA, VA, USDA, jumbo, first-time homebuyer programs, down payment assistance, rate locks, pre-approvals
- Pipeline & Production: Pipeline management, pull-through tracking, lead conversion, volume forecasting, lock desk coordination, closing timelines
- Credit & Qualification: Credit analysis, debt-to-income review, self-employed income analysis, asset documentation, Desktop Underwriter (DU), Loan Product Advisor (LPA)
- Compliance: NMLS licensing, SAFE Act, TRID, RESPA, ECOA, HMDA, fair lending, Loan Estimate and Closing Disclosure timing
- Systems: Encompass, Optimal Blue, Total Expert, Salesforce, DocuSign, Microsoft Excel
- Referral Development: Realtor partnerships, builder relationships, co-marketing, homebuyer seminars, past-client retention, rate-watch campaigns
Education & Certification
- Coursework focus: Real Estate Finance, Financial Institutions, Corporate Finance and Business Law.
- Licensed in North Carolina and South Carolina; SAFE Act continuing education current through 2026.
Work Experience
Mortgage Loan OfficerMarch 2022 – PresentPiedmont Crest Mortgage, Charlotte, NC
- Funded $64M in loan volume across 212 loans in 2024 and 2025 while rates sat above 6.5%, with purchase loans making up 84% of closed units.
- Raised application-to-close pull-through from 78% to 91% by issuing fully underwritten pre-approvals through Desktop Underwriter and collecting income and asset documents before the buyer went under contract.
- Built a referral base of 38 active real estate agents and two regional builders that sources 70% of closed units, through monthly market updates, co-hosted homebuyer seminars and same-day pre-approvals.
- Manage a pipeline of 25 to 35 active files in Encompass, holding a weekly status call with the processor and closer so 96% of loans close on or before the contract date.
- Brought 41 past clients back for rate-and-term refinances in 2025 by setting rate-watch alerts in Total Expert and calling each borrower once a refinance cut the payment by $150 a month or more.
- Placed 46 first-time buyers into FHA, VA and USDA loans paired with state down payment assistance, laying out each program’s cash to close and monthly payment side by side on one page.
- Passed two internal compliance audits with zero findings by checking Loan Estimate and Closing Disclosure timing, lock disclosures and HMDA fields on every file before submission.
Loan OfficerJanuary 2019 – February 2022Carolina Heritage Bank, Charlotte, NC
- Closed $71M across 268 loans during the 2020 and 2021 refinance wave, ranking second of 14 loan officers in funded volume in 2021.
- Converted 34% of branch referrals into funded loans by meeting each customer within 48 hours and quoting conventional, FHA and VA options on the same worksheet.
- Cut average time to close from 47 to 36 days by ordering appraisals at application and clearing conditions daily with the underwriting team during peak refinance volume.
- Originated $9M in jumbo and portfolio loans for self-employed borrowers by analyzing two years of tax returns, profit and loss statements and bank statements before application.
- Trained three new loan officers on Encompass, the bank’s pricing engine and disclosure timelines, and reviewed their first ten applications each.
Loan Officer AssistantJune 2015 – December 2018Queen City Home Lending, Charlotte, NC
- Supported two senior loan officers with $48M in combined annual volume by taking applications, ordering credit and preparing files for processing in Encompass.
- Reduced missing-document conditions at underwriting by about a third by building borrower checklists for salaried, self-employed and VA borrowers.
- Tracked 40 to 60 active loans in a shared pipeline report, updating lock expirations, appraisal status and closing dates for the loan officers each morning.
- Earned the NMLS mortgage loan originator license in December 2018 after completing 20 hours of SAFE Act pre-licensing education while supporting the team full time.
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Tailor my resumeWhy This Resume Works
- The NMLS number sits in its own Certifications entry with the states licensed, which is the first thing a mortgage recruiter checks and a common ATS knockout filter.
- Volume, unit count and pull-through appear together ("Funded $64M in loan volume across 212 loans", "pull-through from 78% to 91%"), so the reader can judge production and file quality at once.
- Product keywords from real postings (purchase, refinance, FHA, VA, USDA, jumbo) appear in both the Skills groups and the bullets, so the resume matches loan officer searches without a keyword dump.
- The referral bullet names where the business comes from: 38 agents, two builders and 70% of closed units, which tells a hiring manager the pipeline will follow this loan officer.
- The path from loan officer assistant to bank loan officer to mortgage company originator is visible in the dates, including the month the license was earned.
Common Resume Mistakes
- No volume or pull-through metrics.
- Missing NMLS or product keywords.
- Generic "originated loans" without scale.
Keywords Recruiters Look For
- Loan officer
- Mortgage
- Origination
- NMLS
- Pipeline
- Purchase
- Refi
- Volume
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