Mortgage Loan Officer / Originator

About the role

Tri City National Bank is seeking an experienced Mortgage Loan Originator with a proven sales background. The role offers a competitive salary and variable compensation based on production, and provides a full suite of mortgage products—including Conventional, FHLBC, FHA, VA, WHEDA, Portfolio ARMs, Single‑Close Construction, HELOC, HELOAN, ARM, and Bridge loans. The Mortgage Loan Originator will generate business through bank‑provided referrals and established external referral sources, serving as a trusted relationship manager throughout the customer lifecycle.

Responsibilities

• Develop and manage a strong pipeline of mortgage customers while ensuring timely loan closings.
• Perform all loan origination activities in compliance with applicable regulations and Bank policies; maintain current knowledge of industry and regulatory changes.
• Guide customers through the entire loan process—from application and analysis through closing—while maintaining positive relationships.
• Establish clear customer expectations and provide timely status updates to ensure a positive experience.
• Develop and execute a business plan with defined marketing activities and production goals; periodically evaluate and adjust as needed.
• Develop new client and referral relationships while maintaining existing partnerships.
• Build effective working relationships within assigned branches, the mortgage department, and other areas of the Bank.
• Collaborate with management to develop loan solutions, products, and services.
• Report any process or procedure that does not meet regulatory requirements, including suspected or confirmed fraud, to management.

Requirements

• Two to four years of successful mortgage loan origination experience.
• Associate or bachelor's degree preferred.
• Active NMLS license in good standing, transferable to Tri City National Bank.
• Established referral network (Realtors, Financial Planners, Builders, and related professionals).
• Proficiency with Microsoft Windows, Word, Excel, and PowerPoint.
• Experience with mortgage loan origination systems; Mortgagebot experience preferred.
• Knowledge of current lending regulations, including CFPB Qualified Mortgage and Ability‑to‑Repay guidelines.
• Strong understanding of Conventional, FHA, VA, and WHEDA mortgage programs, including processing, documentation, underwriting, and closing requirements.

Skills

• Strong verbal, written, listening, and interpersonal communication skills.
• Ability to maintain quality, productivity, flexibility, and professionalism while working with customers.
• Excellent problem‑solving, planning, organizational, and time‑management abilities.
• Ability to thrive in a fast‑paced, evolving industry.
• Demonstrated integrity and ability to maintain confidentiality.
• Strong analytical skills; able to explain rates and terms, evaluate credit requests, recommend appropriate mortgage products, and counsel applicants on improving future approval opportunities.
• Passion for sales and marketing with high energy and initiative.
• Proven ability to develop and maintain strong professional relationships.
• Strong knowledge of banking products and services.
• Understanding of the evolving mortgage industry and digital lending environment.

Benefits

• Community impact: contribute to the growth and prosperity of local neighborhoods.
• Innovation: dynamic environment encouraging fresh perspectives and continuous learning.
• Career growth: pathways for success and future development opportunities.
• Celebration of success: team values individual and collective achievements.
• Work‑life balance: predictable schedule with major holidays off; no early mornings or late nights.
• 401(k) with company match (must be 21+ and work 20+ hours/week).
• Up to 20 hours of paid vacation after six months of employment.
• Tuition reimbursement.
• Medical, dental, and vision coverage.
• Paid vacation and additional benefits starting the first of the month after hire date.

Pay

Competitive salary with variable compensation based on production.

Schedule

No early mornings or late nights; predictable schedule with major holidays off.