Mortgage Loan Originator

About Us

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. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work, this opportunity might be for you.

Education

B.S. or B.A. degree in a business‑related field or equivalent knowledge.

Experience

A 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 (e.g., 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 that impact mortgage loan services.
• Comprehensive understanding of the features and benefits of all bank mortgage loan products and services.
• In‑depth knowledge of mortgage lending documents.
• Strong grasp of real estate law and credit underwriting guidelines.
• Visual and auditory skills.
• Valid driver’s license.
• Ability to work a flexible schedule.

Role and Responsibilities

Responsible for actively participating in the bank's sales and business development program; performing various duties to develop new mortgage business, including but not limited to regularly engaging in sales activities away from the bank’s offices and any home office; reporting pertinent information to the immediate supervisor and providing required information on sales and service activities; maintaining a current knowledge of applicable laws and regulations.

Essential Duties

• Jointly establishes quantitative sales objectives with the assigned supervisor on an annual basis, aligned with the Mortgage Division's marketing/sales plan, and works to achieve those objectives.
• Solicits new business through in‑person, off‑site contacts whenever possible, maintains ongoing contacts with existing customers to enhance cross‑selling, and keeps detailed records of meetings with prospective or present customers.
• Serves as a member of the bank's sales team, collaborating with other sales/service team members to increase sales opportunities.
• Develops relationships with customers, realtors, and community/civic organizations to generate new business.
• Locates and contacts prospective customers to present the bank's financial services and ascertain banking needs.
• Creates financial plans based on the type of loan services required by customers.
• Spends time each week engaged in sales activities away from the bank’s offices and any home office.
• Reports pertinent information to the immediate supervisor as requested or on an established schedule (e.g., weekly sales activities to the Residential Mortgage Manager) and compiles data for monthly and year‑to‑date sales performance reports.
• Maintains a current knowledge of laws and regulations that impact mortgage banking services.
• Coordinates departmental tasks with coworkers inside and outside the department to ensure efficient processes and proper segregation of duties.
• Responds to inquiries related to the role or requests from customers and other bank personnel within established time frames and policies.
• Adheres to laws and organizational policies designed to promote a workplace free of sexual harassment and other illegal discriminatory behavior.
• Cooperates with, participates in, and supports adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and regulatory compliance (e.g., CRA, BSA, ECOA).

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 supportive tasks to the essential functions of the job, which may be altered or re‑designed depending upon individual or departmental circumstances.

Physical Requirements

• Occasionally ascends/descends stairs to move through 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 assigned work.
• Sedentary work that primarily involves sitting/standing.