By Dirk PerrefortStaff WriterDANBURY -- While federal lawmakers hope a mortgage bill recently passed by Congress will help jump-start the real estate market, a local bank official said more assistance is also needed for families in need because of a lost job or illness. The loan officer's job is to help you process your application for a mortgage. To see if you're suitable a certain mortgage product, they will look into your personal credit account and start the approval process for your transaction.