Mortgage Loan Originator

Description:

Position Summary:

The Mortgage Loan Originator is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.

Key Responsibilities:

Business Development & Customer Service

• Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, networking, and real estate partnerships.
• Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
• Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
• Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.

Loan Origination & Processing

• Assist borrowers with mortgage pre-qualification, pre-approvals, and full loan applications.
• Collect and verify financial documentation to ensure complete and accurate submission.
• Collaborate with underwriters, processors, and closing staff to facilitate efficient and timely loan decisions.
• Monitor loan progress and proactively address information requests or conditions.

Compliance & Risk Management

• Ensure all loan interactions and documentation comply with federal, state, andbank regulations such as RESPA, TILA, HMDA, and Fair Lending.
• Maintain accurate and complete loan records in accordance with bank standards.
• Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.

Performance & Reporting

• Meet or exceed individual production goals and performance expectations.
• Track and report pipeline activity, conversion ratios, and lead sources.
• Participate in sales meetings, product training, and professional development opportunities.

Any other duties and responsibilities as assigned.

Requirements:

Working Conditions:

· Standard office environment with frequent local travel for customer meetings, realtor visits, and community involvement.

· Flexibility to work some evenings or weekends based on borrower availability.

· Ability to represent the bank professionally at networking and community events.

· Prolonged periods sitting at a desk and working on a computer.

· Must be able to lift up to 15 pounds at times.

· Professional attire required.

Qualifications

· High school diploma or equivalent; associate or bachelor’s degree preferred.

· 2+ years of mortgage origination, sales, or banking experience.

· Active NMLS registration with the ability to maintain SAFE Act compliance.

· Strong understanding of residential mortgage products, underwriting standards, and the loan process.

· Excellent interpersonal, communication, and problem-solving skills.

· Ability to work independently, manage multiple loan files, and prioritize deadlines.

· Established referral network (realtors, builders, financial professionals).