Mortgage Loan Originator

State Bank Financial • La Crosse, WI

5h

About The Position

State Bank Financial is seeking a proactive Mortgage Loan Originator who’s ready to take initiative, build strong client relationships, and drive results in a competitive market. Success in this role is rewarded – your earnings will reflect the energy and determination you invest.

In this role, you’ll guide borrowers through the mortgage process with confidence and care, while growing your business through strategic networking and community engagement. With the right mindset and motivation, your potential here is limitless.

Position Summary

The Mortgage Loan Originator is responsible for providing a high level of customer service in the origination of consumer home mortgage loans. The MLO is also responsible for structuring, underwriting, and closing real estate loans as well as developing a strong referral network in developing new business. The MLO also represents the bank in the community through active involvement in community affairs and participates in the marketing of all the bank’s products and services. The MLO also ensures all documentation is complete, accurate, timely, and understands and completes the job responsibilities in accordance with federal and state compliance regulations.
Ensures the highest level of customer satisfaction according to our Culture of CARE.

Requirements

• Three-plus years of prior mortgage lending experience required, and high school diploma required; bachelor’s or associate degree preferred.
• Must have NMLS certification, or ability to be certified
• Valid driver’s license required.
• Must have the ability to deal effectively with time pressures and stress that can change hourly depending on level of customer activity
• Ability to apply knowledge in policy and procedure development.
• Ability to maintain the integrity of highly confidential customer and Bank information.
• Excellent verbal and written communications skills and strong mathematical skills.
• Must possess technical ability to input and retrieve computerized information

Nice To Haves

• bachelor’s or associate degree preferred

Responsibilities

• Solicit and develop loans for all aspects of our markets including but not limited to: residential real estate, and new construction.
• Originate and pre-qualify customers for mortgage loans by conducting an interview to obtain pertinent financial information, analyzing the financial data and counseling the customer on the appropriate mortgage funding options and other retail products.
• Develop a continuous pipeline of loans through internal and external sources by actively working with the commercial, retail, and investment areas.
• Maximize bank profitability through appropriate pricing of new loan originations and fee income while meeting loan policy guidelines.
• Conduct business development activities which includes establishing relationships with real estate brokers and builders.
• Work with the Director of Retail Banking and Director of Marketing to develop and utilize successful marketing strategies.
• Work with the loan operations team to ensure all pertinent account documentation has been accurately prepared, processed, dispersed, and collateral has been properly secured.
• Assists in contacting real estate customers for missing documentation
• Participates and attends loan closings at title company or conducts the closing of refinances in the bank.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED