Mortgage Loan Originator

About the Role

Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth.

Responsibilities

• Actively participate in the bank's sales and business development program
• Jointly establish quantitative sales objectives with assigned supervisor on an annual basis, in conjunction with the Mortgage Division's annual marketing/sales plan, and achieve these objectives
• Solicit, via in-person, off-site contact whenever possible, new business from both present and prospective customers
• Maintain ongoing contacts with present customers to enhance cross-selling activities
• Maintain detailed records of meetings with prospective or present customers
• Serve as a member of the bank's sales team and work with other members of the sales/service team to increase sales opportunities
• Develop relationships with customers, realtors, and community and civic organizations to generate new business
• Locate and contact prospective customers to present the bank's financial services and to ascertain banking needs
• Develop financial plans based on type of loan services as required by customers
• Spend time engaged in sales activities each week away from the Bank's offices and away from any home office
• Report pertinent information to the immediate supervisor as requested or according to an established schedule, including weekly sales activities to the Residential Mortgage Manager
• Compile information as necessary or as directed, and provide sales information on a timely basis for monthly and year-to-date sales performance reports
• Maintain a current knowledge of laws and regulations which impact mortgage banking services
• Coordinate departmental tasks with coworkers inside and outside the department to ensure an efficient process and the completion of essential tasks needing proper segregation of duties
• Respond to inquiries relating to his/her particular area, or to requests from customers and other bank personnel, within given time frames and within established policy
• Abide by current laws and organizational policies and procedures designed to promote an environment free of sexual harassment and other forms of illegal discriminatory behavior
• Cooperate with, participate in, and support adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank's compliance with all regulatory requirements, e.g. CRA, BSA, Equal Credit Opportunity Act, etc.

Qualifications

• B.S. or B.A. degree in a business-related field or equivalent knowledge
• Minimum of two (2) years of experience in related positions normally required

Preferred Skills

• Proficient reading, writing, grammar, and mathematics skills
• Thorough knowledge of current mortgage lending regulations, i.e., Reg. B, RESPA, HMDA, Reg. Z, etc.
• Excellent interpersonal relations, communication and sales skills
• Proficient PC skills
• Working knowledge of bank operating policies and procedures which impact mortgage loan services
• Thorough knowledge of the features and benefits of all bank mortgage loan products and services
• Thorough knowledge of the mortgage lending documents
• Thorough knowledge of real estate law and credit underwriting guidelines
• Visual and auditory skills
• Valid driver's license
• Ability to work flexible schedule

Ancillary Duties

• May attend sales and trade meetings as the bank's representative to recommend new business and to gain information and leads on prospective accounts
• Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances

Physical Requirements

• Occasionally ascends/descends stairs to move through the different floors of the location
• Occasionally moves about inside the office to accomplish tasks
• Frequently communicates with others to exchange information
• Constantly moves wrists, hands, and/or fingers
• Must be able to operate a motor vehicle
• Must be able to assess the accuracy, neatness, and thoroughness of the work assigned
• Sedentary work that primarily involves sitting/standing