Mortgage Loan Consultant (Base Pay + Commission)

About the role

As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals while delivering superior customer service in accordance with bank policies, investor guidelines, and regulatory requirements.

This role focuses on building and maintaining strong professional relationships with realtors and other referral sources to develop new mortgage business, while also expanding client relationships through cross-selling opportunities.

Responsibilities

• Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources.
• Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing.
• Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies.
• Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience.
• Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.
• Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.
• Stay informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.
• Represent the bank at local business and community events, delivering exceptional value and building brand awareness.
• Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure adherence to policies, procedures, and internal controls, and meet all training requirements.
• Cooperate with other members of the department and employees of other departments to achieve goals and provide quality service.
• Perform other related duties as assigned or directed.

Requirements

• High School Diploma or GED required; Associate’s degree or equivalent preferred.
• Specialized banking and lending education and training.
• Valid driver’s license.
• All applicants must be 18 years of age or older.
• National Mortgage Licensing System (NMLS) registration under The SAFE Act; candidates without current registration must successfully obtain and maintain it upon hire.
• 3+ years of experience in a professional sales environment in financial services.

Skills

• Proven sales experience with a drive to exceed goals and a passion for helping clients.
• Strong relationship-building skills and the ability to generate referrals and new business opportunities.
• Understanding of mortgage products, underwriting guidelines, and regulatory requirements.
• Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities.
• Willingness to embrace and share new ideas and different perspectives to enhance personal growth and success.
• Commitment to the Company’s core values: Integrity, Excellence, Teamwork, and Humility.

Benefits

• Competitive salary with potential earnings of $130K+.
• 11 paid holidays and paid vacation.
• Medical, Vision, and Dental insurance.
• 401K with generous match.
• Pension plan.
• Tuition reimbursement.
• Banking discounts.

Pay

Minimum USD $19.23/Hr. Maximum USD $19.23/Hr.

Schedule

40 hours/week.

Training Program

As part of onboarding, Community Bank provides exclusive access to MBA Education’s School of Loan Origination (SOLO), an instructor-led program offering a strong foundation in mortgage lending. The course covers accurate loan applications, credit evaluation, loan products and pricing, transaction structuring, and real-world case studies to build confidence and strategies for growing your business.

Physical Requirements

The physical demands described are representative of those required to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Stand, walk, or sit for extended periods.
• Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear.
• Occasionally lift and/or move up to 25 pounds.
• Close vision and ability to focus.