Mortgage Loan Originator [11 / 10 / 2025]

Position Title : Mortgage Loan Originator

Locations : O'Fallon_MO

Time Type : Full time

Req ID : JR1040-O'Fallon_MO

At Midland, we're proud to be a little different. You can see it in our bright orange signs-but there's more to it than that. With our heartfelt and personalized approach, we're focused on meeting every customer's needs with the brightest solutions.

For more than 140 years, we've learned by serving customers skillfully with dedication and follow-through, we can brighten every interaction to drive our collective success. And this goes beyond traditional banking.

We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.

Our humble ambition keeps us growing, giving back, and looking ahead. We're innovating and optimizing our services to ensure we stay unique - providing strength you can count on with heart you can feel.

You might say we're unlike any other bank.

And you'd be right."

At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and / or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

Salary Range : $48,500+ annually

Position Summary

Develops relationships and solicits business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs. Primary responsibilities include the collecting and analyzing of prospect's income, assets and liabilities in in order to advise them on the most appropriate mortgage products as well as other products and services to meet their financial needs. This position is an individual contributor.

Primary Accountabilities

Responsible for the sales and origination of family residential loans within predetermined guidelines and rates set forth by the Bank and its investors.

Responds to customer's residential mortgage needs by analyzing their financial profile and identifying the appropriate mortgage program for them.

Follows-up with applicants and secures the necessary information to process and underwrite the loan; conducting site visits if needed.

Provides assistance to help potential borrowers successfully qualify for financing.

Consistently achieves volume and / or unit production targets.

Works cooperatively and constructively with a wide variety of people, cross-functional teams, community- based organizations, title companies and referral partners.

Actively cross-sells bank products where applicable.

Projects a positive attitude and act with integrity at all times.

Deliver "best-in-class" customer service.

Provides support at bank sponsored events.

Must adhere to pertinent state and federal laws and regulations, Company's Compliance Policy and external compliance requirements.

The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.

May require work in a Midland office to ensure collaboration and support of internal and external customers.

Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).

Other duties as assigned.

Position Qualifications

Education / Experience :

Bachelor's degree in business, finance, real estate, or related field preferred.

Ability to obtain NMLS State License or Federal NMLS Registration.

1+ years' experience in real estate and / or mortgage.

Strong entrepreneurial and business development / sales experience / skills.

Knowledge of FHA, FNMA and FHLMS underwriting guidelines.

Knowledge of mortgage compliance regulations.

Business acumen and judgment- bank mortgage products, policies, and procedures.

Needs analysis skills - analyzing information regarding customer income / debts, etc.

Interpersonal / Persuasive / Influencing and negotiation skills.

Competencies : Business insight

Cultivates innovation

Drives results

Makes sound decisions

Being a brand champion

Collaborates

Communicates effectively

Customer focus

Being Authentic

Emotional Intelligence

Self development

Being flexible and adaptable

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We're proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at HR@midlandsb.com.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

Compensation details : 48500-48500 Yearly Salary

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