Mortgage Careers- All Levels
About the role
We're growing our mortgage team across the region. Whether you're a junior mortgage loan originator, an experienced mortgage loan originator, or a mortgage 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. Join us and help shape the future of mortgage lending in your market.
Position Summary
Develops relationships and solicits business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs. Primary responsibilities include collecting and analyzing prospects' income, assets, and liabilities 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.
Responsibilities
- 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 customers' 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 acts with integrity at all times.
- Delivers best-in-class customer service.
- Provides support at bank sponsored events.
- Must adhere to pertinent state and federal laws and regulations, the 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.
- Maintains compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
- Other duties as assigned.
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
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
- Comprehensive healthcare
- Well-being benefits
- Paid family leave
- Generous paid time off
- Banking perks
- Employee Stock Purchase Plan
- 401K plan with company match
- May include the opportunity to participate in our Non-Qualified Deferred Compensation plan