Mortgage Careers- All Levels
About the role
We're growing our mortgage team across the region. Whether you're a junior loan originator, experienced originator, or team leader, if you're passionate about helping customers achieve homeownership, building strong referral relationships, and growing your career with a collaborative, community-focused bank, we want to hear from you.
Position summary
Develop relationships and solicit business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs. Primary responsibilities include collecting and analyzing prospects' income, assets, and liabilities to advise them on appropriate mortgage products and other financial services. This is an individual contributor role.
Responsibilities
- Responsible for the sales and origination of family residential loans within predetermined guidelines and rates set forth by the Bank and its investors
- Respond to customers' residential mortgage needs by analyzing their financial profile and identifying the appropriate mortgage program
- Follow up with applicants and secure necessary information to process and underwrite loans; conduct site visits if needed
- Provide assistance to help potential borrowers successfully qualify for financing
- Consistently achieve volume and/or unit production targets
- Work cooperatively and constructively with a wide variety of people, cross-functional teams, community-based organizations, title companies, and referral partners
- Actively cross-sell bank products where applicable
- Project a positive attitude and act with integrity at all times
- Deliver best-in-class customer service
- Provide support at bank sponsored events
- Must adhere to pertinent state and federal laws and regulations, Company's Compliance Policy, and external compliance requirements
- Occasional travel for training and team meetings; 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
Qualifications
- 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 and skills
- Knowledge of FHA, FNMA, and FHLMS underwriting guidelines
- Knowledge of mortgage compliance regulations
- Business acumen and judgment regarding 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
Pay
Mortgage Loan Originators start at $48,500/annually. Team Leads start at $50,200/annually. All roles have additional incentives based on performance.
Benefits
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 include comprehensive healthcare, well-being benefits, paid family leave, generous paid time off, banking perks, an Employee Stock Purchase Plan, and a 401K plan with company match. May include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.