Hard Skills

• Mortgage origination
• Loan structuring
• Residential mortgage lending
• Commercial mortgage lending
• Refinance analysis
• Debt-to-income (DTI) analysis
• Loan-to-value (LTV) calculations
• Credit risk assessment
• Pre-qualification and pre-approval
• Rate lock management
• Loan pipeline management
• File packaging and submission
• Underwriting preparation
• Portfolio lending
• Conforming and non-conforming loans

Technical Proficiencies

• Loan origination systems (LOS)
• Encompass
• Calyx Point
• Mortgage CRM platforms
• Automated underwriting systems (AUS)
• Desktop Underwriter (DU)
• Loan Prospector / Loan Product Advisor (LPA)
• Credit reporting systems
• e-Disclosure platforms
• Electronic document management
• Microsoft Excel (financial modeling)
• Mortgage rate comparison tools

Regulatory & Industry Knowledge

• Fannie Mae guidelines
• Freddie Mac guidelines
• FHA loans
• VA loans
• USDA loans
• QM and non-QM products
• TRID compliance
• RESPA and TILA regulations
• Know Your Customer (KYC)
• Anti-Money Laundering (AML)
• Fair Lending practices
• State and federal lending regulations

Soft Skills

• Client relationship management
• Consultative selling
• Negotiation
• Persuasive communication
• Active listening
• Problem-solving
• Attention to detail
• Time management
• Stakeholder coordination
• Conflict resolution

Sales & Business Development

• Lead generation
• Referral network development
• Real estate agent partnerships
• Pipeline growth
• Cross-selling financial products
• Market analysis
• Local housing market knowledge
• Sales forecasting

Industry Certifications & Credentials

• Mortgage Loan Originator (MLO)
• NMLS licensed
• State mortgage broker license
• SAFE Act compliance
• Continuing education (CE) in mortgage lending

Action Verbs

• Originated
• Structured
• Negotiated
• Advised
• Analyzed
• Closed
• Underwrote (in collaboration with underwriters)
• Facilitated
• Streamlined
• Expanded
• Optimized
• Secured