Mortgage Loan Originator
Company: Midland States Bank
Location: Saint Louis
Posted on: January 26, 2023
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Job Description:
At Midland States Bank, we believe that when we can bring our
whole selves to work each day, we become happier, more comfortable,
more confident and more excited to do great things for our
customers, each other and our company. We're proud to be an Equal
Opportunity and Affirmative Action employer. At Midland, 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.
Position Summary
Develops relationships and solicits business from referral partners
such as realtors, builders, bank colleagues, attorneys, and CPAs.
Primary responsibilities include the collecting and analyzing of
prospect's income, assets and liabilities in in order to advise
them on the most appropriate mortgage products as well as other
products and services to meet their financial needs.
Primary Accountabilities
Responsible for the sales and origination of family residential
loans within predetermined guidelines and rates set forth by the
Bank and its investors.
Responds to customer's residential mortgage needs by analyzing
their financial profile and identifying the appropriate mortgage
program for them.
Follows-up with applicants and secures the necessary information to
process and underwrite the loan; conducting site visits if
needed.
Provides assistance to help potential borrowers successfully
qualify for financing.
Consistently achieves volume and/or unit production targets.
Works cooperatively and constructively with a wide variety of
people, cross-functional teams, community- based organizations,
title companies and referral partners.
Actively cross-sells bank products where applicable.
Projects a positive attitude and act with integrity at all
times.
Deliver "best-in-class" customer service.
Provides support at bank sponsored events.
Must adhere to pertinent state and federal laws and regulations,
Company's Compliance Policy and external compliance
requirements.
Maintain compliance with all applicable regulations including, but
not limited to, the Bank Secrecy Act (BSA).
Other duties, responsibilities and activities may change or be
assigned at any time with or without notice.
Position Qualifications
Education/Experience:
Bachelor's degree in business, finance, real estate, or 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
If you require reasonable accommodation in completing this
application, interviewing, completing any pre-employment testing,
or otherwise participating in the employee selection process,
please direct your inquiries to Midland States Bank Human Resources
at HR@midlandsb.com .
THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR
EMPLOYMENT
PI201587261
Keywords: Midland States Bank, St. Louis , Mortgage Loan Originator, Other , Saint Louis, Missouri
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