Mortgage Loan Originator

3 weeks ago


Joliet, Illinois, United States Midland States Bank Full time
Job Summary

We are seeking a highly skilled Mortgage Loan Originator to join our team at Midland States Bank. As a Mortgage Loan Originator, you will be responsible for developing relationships with referral partners, analyzing prospect's income, assets, and liabilities, and advising them on the most appropriate mortgage products to meet their financial needs.

Key Responsibilities
  • Originate and sell family residential loans within predetermined guidelines and rates set forth by the Bank and its investors.
  • Analyze customer's residential mortgage needs and identify the appropriate mortgage program for them.
  • Follow-up with applicants and secure the necessary information to process and underwrite the loan, conducting site visits if needed.
  • Provide assistance to help potential borrowers successfully qualify for financing.
  • Consistently achieve volume and/or unit production targets.
  • Work cooperatively and constructively with a wide variety of people, cross-functional teams, community-based organizations, title companies, and referral partners.
  • Actively cross-sell bank products where applicable.
  • Project a positive attitude and act with integrity at all times.
  • Deliver "best-in-class" customer service.
  • Provide support at bank-sponsored events.
  • Maintain compliance with all applicable regulations, including the Bank Secrecy Act (BSA).
Requirements
  • Bachelor's degree in business, finance, real estate, or a related field preferred.
  • Ability to obtain NMLS State License or Federal NMLS Registration.
  • 1+ years' experience in real estate and/or mortgage.
  • Strong entrepreneurial and business development/sales experience/skills.
  • Knowledge of FHA, FNMA, and FHLMS underwriting guidelines.
  • Knowledge of mortgage compliance regulations.
  • Business acumen and judgment - bank mortgage products, policies, and procedures.
  • Needs analysis skills - analyzing information regarding customer income/debts, etc.
  • Interpersonal/Persuasive/Influencing and negotiation skills.
Competencies
  • Business insight
  • Cultivates innovation
  • Drives results
  • Makes sound decisions
  • Being a brand champion
  • Collaborates
  • Communicates effectively
  • Customer focus
  • Being Authentic
  • Emotional Intelligence
  • Self development
  • Being flexible and adaptable

We are an Equal Opportunity and Affirmative Action employer. We recruit, employ, train, compensate, and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.



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