Mortgage Careers- All Levels

Midland States Bank•Effingham, IL

11d•$48,500•Hybrid

About The Position

Midland States Bank is expanding its mortgage team across the region and has opportunities for individuals at all levels of their mortgage career, including Junior Mortgage Loan Originators, Experienced Mortgage Loan Originators, and Mortgage Team Leaders. The bank is seeking passionate individuals who are dedicated to helping customers achieve homeownership, building strong referral relationships, and growing their careers within a collaborative, community-focused environment. This role involves developing relationships with referral partners, analyzing customer financial profiles to recommend appropriate mortgage products, and actively cross-selling other bank services. The position requires adherence to all relevant laws and regulations, including the Bank Secrecy Act (BSA), and may involve occasional travel for training and meetings, as well as work in a Midland office to ensure collaboration.

Requirements

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.
Business insight
Drives results
Makes sound decisions
Being a brand champion
Collaborates
Communicates effectively
Customer focus
Being Authentic
Emotional Intelligence
Self development
Being flexible and adaptable

Nice To Haves

Bachelor’s degree in business, finance, real estate, or related field preferred.

Responsibilities

Develops relationships and solicits business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs.
Collects and analyzes prospect’s income, assets, and liabilities to advise them on the most appropriate mortgage products and other products and services to meet their financial needs.
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 as assigned.