Mortgage Loan Consultant (Base Pay + Commission)

Responsibilities

• Originate mortgage loans to meet individual and department production goals.
• Originates loans in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service.
• Establish and maintain strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business.
• Grow your pipeline - proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources.
• Close more deals - identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing.
• Own the loan process - oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.
• Deliver white-glove service - conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience.
• Maximize cross-selling opportunities - expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.
• Stay ahead of the market - keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.
• Make an impact - represent the bank at local business and community events, delivering exceptional value and building brand awareness.
• Drive compliance & excellence - 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 ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner.
• Perform other related duties as assigned or directed.

Qualifications

• An Associates degree or equivalent preferred.
• A High School Diploma or GED required.
• Specialized Banking and lending education and training.
• A Valid driver license.
• All applicants must be 18 years of age or older.

Skills

• A Winning Mindset - Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you.
• A Sales-First Approach - Strong relationship-building skills and the ability to generate referrals and new business opportunities.
• Financial Knowledge - An understanding of mortgage products, underwriting guidelines, and regulatory requirements.
• Technology & Communication Skills - Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities.
• Education & Licensing - An Associates degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act.
• A Commitment to Growth - Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship.

Other

• This position requires National Mortgage Licensing System (“NMLS”) registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).
• Candidates who do not currently hold NMLS registration must be able to successfully obtain and maintain registration upon hire.
• Experience - 3+ years of experience in a professional sales environment in financial services normally required.
• Training Program - As part of onboarding for the Mortgage Loan Consultant role, Community Bank provides exclusive access to MBA Education’s School of Loan Origination (SOLO). This instructor-led program offers a strong foundation in mortgage lending, including how to take accurate loan applications, evaluate credit, understand loan products and pricing, and structure transactions. The course also includes real-world case studies to build confidence and strategies to grow your business while serving your community.

Physical Requirements

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Job Information

• Hrs: 40 hours/week
• Compensation: Potential earnings 130K+
• Benefits: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!