Mortgage Loan Originator

he Mortgage Loan Originator (“MLO”) is responsible for generating mortgage loans by proactively reaching out to clients, real estate agents, brokers, contractors and financial advisors.  This position requires the MLOs to perform the majority of their work (estimated to be  80% or more) on sales and promotional activities outside of their office/work location by actively soliciting business, engaging in promotional and business development opportunities, meeting with clients, and attending business development events.

RESPONSIBILITIES:

• Meet or exceed sales targets by soliciting and developing business opportunities for new and existing clients
• Proactively reach out (in person to the extent practicable) to real estate offices, subdivision sales offices, custom builders, officers of home owners associations, contractors and other potential referral sources to develop borrower leads; Calculate and distribute rate sheets to real estate offices, subdivision sales offices, custom builders, officers of home owners associations, contractors and other potential sources.
• Meet with prospective clients in person at locations convenient to the client such as the client’s home, place of business or other locations outside the office. 
• Initiate, promote, and actively participate in, promotional and sales activities, open houses, and social functions for the purpose of originating new mortgage loans, the majority of which will occur outside of the office.
• Originate and participate in presentations to educate audiences on mortgage products, rates and fees.
• Responsible for complying with the various rules, regulations, policies and ethical standards governing the financial services industry including compliance with the Bank Secrecy Act
• Develop and implement effective sales strategies to drive sales
• Identify new opportunities to improve sales performance
• Maintain accurate records of leads, client accounts and sales
• Responsible to represent the company in a professional manner at all times
• Monitor market conditions in relation to competitors
• Build, maintain and manage successful relationships with clients
• Verify applications for completeness, conduct credit investigations, determine credit worthiness and debt ratio documentation for the loan sales initiated or negotiated during outside sales activities.
• Assure loans meet all requirements set forth by the appropriate federal, state and/or regulatory agencies.
• Remain current on changes within the legal, regulatory, economic, competitive and technology environments which may affect real estate lending.

• High School diploma or equivalent is required.  Bachelor’s degree is highly desired.
• Minimum of two (2) years of prior working experience in outside sales or Mortgage Loan origination is required.
• Stay current on related regulations and laws associate with Mortgage industry
• Strong persuasive and negotiation skills
• Demonstrated ability to close sales and meet sales goals
• Excellent business development skills required
• Excellent interpersonal skills and positive demeanor required
• Ability to work outside normal business hours frequently
• KEY COMPETENCIES:
• Business Development
• Sales Goals/Results oriented
• Business Acumen
• Customer Service Focused

Essential Functions: 

• Sitting or standing for extended periods of time.
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.

Please click here to access a list of benefits for which this position is eligible. Additional information regarding United’s Mission, Values and Culture can be found here.

At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.