Mortgage Loan Originator

Mortgage Loan Originator Job Description The Mortgage Loan Originator (MLO) is responsible for originating, processing, and closing residential mortgage loans for the Bank. This role focuses on business development, customer relationships, and regulatory-compliant loan origination consistent with the Bank's lending policies, risk appetite, and community banking mission. Responsibilities

• Develop and manage a pipeline of residential mortgage loan applications, including purchase, refinance, construction, and portfolio mortgage products.
• Proactively generate new mortgage business through referrals, community involvement, realtors, builders, financial advisors, and internal bank partners.
• Interview applicants to determine creditworthiness, financial needs, and appropriate mortgage products.
• Take complete mortgage loan applications and ensure accuracy, completeness, and compliance with all regulatory requirements.
• Maintain ongoing communication with borrowers throughout the loan process, setting clear expectations on timelines and documentation needs.
• Coordinate with loan operations staff, realtors, and title companies to ensure timely and efficient loan closings.
• Ensure compliance with federal, state, and secondary market regulations, including TRID, HMDA, Fair Lending, SAFE Act, and Bank policies.
• Maintain required NMLS registration and continuing education.
• Monitor market conditions, interest rates, and competitive mortgage offerings to effectively serve customers.
• Participate in community events and represent the Bank in a professional and positive manner.
• Other Duties as Assigned Sales & Service Excellence Responsibilities Answer inbound telephone calls promptly.

Follow through with accountability to answer customer questions, limiting unnecessary transfers. Become knowledgeable with banking products and services as they relate to this position. Maintain working knowledge of the bank's convenient banking services. Be willing to share about these services via customer communication and conversation. Bring the need for additional training to the attention of the Retail Lending Manager or Sales, Marketing, Compliance, and Training Director. Maintain an organized work area. Be willing to make suggestions to keep the work area well-organized and free from clutter. Apply the bank's service excellence standards to all customer communications and conversations

• internally with coworkers and externally with customers.

Support the bank in its efforts to connect with the community, improve operational efficiency, maintain profitable growth, and achieve service excellence. Always look for and share about opportunities for improvement. Compliance, Operational & Training Requirements Complete compliance training as assigned through BAI computer-based training system and all other training as assigned. Train other staff as needed to ensure backup resources are available in the event of your absence. Be willing to learn other areas of operations and the bank, if needed, to serve as backup for those areas. Education & Experience Requirements Bachelor's Degree in Business, Finance, or 10+ years experience in a financial institution, loan department, or similar area 5+ years experience in a lending environment with preference given to real estate lending experience

• Strong working knowledge of mortgage products, underwriting guidelines, and documentation requirements.
• Knowledge of applicable laws and regulations governing mortgage lending.
• Demonstrated sales, relationship management, and business development skills.
• Excellent interpersonal, communication, and customer service skills.
• Proficient in mortgage loan origination systems (LOS) and Microsoft Office applications.
• Ability to manage multiple deadlines and work independently with minimal supervision.

Job Details Hourly officer position at Marion County Savings Bank, Salem, IL facility. Compensation is commensurate with experience and may include a base salary plus an incentive structure.

Base Salary Range:

$40,000

• $65,000 commensurate with experience This position is primarily conducted in an office and community-based environment. Some travel within the Bank's market area is required. The role involves extended periods of sitting, use of standard office equipment, and occasional evening or weekend activities for business development events. This position is supervised by the Vice President
• Chief Lending Officer.

Community Partners Savings Bank is an Equal Opportunity Employer including disability and veterans.

Pay:

$40,000.00

• $65,000.

00 per year

Benefits:

401(k) Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance

Work Location:

In person Mortgage Loan Originator 301 W Main St, Salem, IL 62881 $40,000

• $65,000 a year
• Full-time $40,000
• $65,000 a year
• Full-time Mortgage Loan Originator Job Description The Mortgage Loan Originator (MLO) is responsible for originating, processing, and closing residential mortgage loans for the Bank. This role focuses on business development, customer relationships, and regulatory-compliant loan origination consistent with the Bank's lending policies, risk appetite, and community banking mission. Responsibilities
• Develop and manage a pipeline of residential mortgage loan applications, including purchase, refinance, construction, and portfolio mortgage products.
• Proactively generate new mortgage business through referrals, community involvement, realtors, builders, financial advisors, and internal bank partners.
• Interview applicants to determine creditworthiness, financial needs, and appropriate mortgage products.
• Take complete mortgage loan applications and ensure accuracy, completeness, and compliance with all regulatory requirements.
• Maintain ongoing communication with borrowers throughout the loan process, setting clear expectations on timelines and documentation needs.
• Coordinate with loan operations staff, realtors, and title companies to ensure timely and efficient loan closings.
• Ensure compliance with federal, state, and secondary market regulations, including TRID, HMDA, Fair Lending, SAFE Act, and Bank policies.
• Maintain required NMLS registration and continuing education.
• Monitor market conditions, interest rates, and competitive mortgage offerings to effectively serve customers.
• Participate in community events and represent the Bank in a professional and positive manner.
• Other Duties as Assigned Sales & Service Excellence Responsibilities Answer inbound telephone calls promptly.

Follow through with accountability to answer customer questions, limiting unnecessary transfers. Become knowledgeable with banking products and services as they relate to this position. Maintain working knowledge of the bank's convenient banking services. Be willing to share about these services via customer communication and conversation. Bring the need for additional training to the attention of the Retail Lending Manager or Sales, Marketing, Compliance, and Training Director. Maintain an organized work area. Be willing to make suggestions to keep the work area well-organized and free from clutter. Apply the bank's service excellence standards to all customer communications and conversations

• internally with coworkers and externally with customers.

Support the bank in its efforts to connect with the community, improve operational efficiency, maintain profitable growth, and achieve service excellence. Always look for and share about opportunities for improvement. Compliance, Operational & Training Requirements Complete compliance training as assigned through BAI computer-based training system and all other training as assigned. Train other staff as needed to ensure backup resources are available in the event of your absence. Be willing to learn other areas of operations and the bank, if needed, to serve as backup for those areas. Education & Experience Requirements Bachelor's Degree in Business, Finance, or 10+ years experience in a financial institution, loan department, or similar area 5+ years experience in a lending environment with preference given to real estate lending experience

• Strong working knowledge of mortgage products, underwriting guidelines, and documentation requirements.
• Knowledge of applicable laws and regulations governing mortgage lending.
• Demonstrated sales, relationship management, and business development skills.
• Excellent interpersonal, communication, and customer service skills.
• Proficient in mortgage loan origination systems (LOS) and Microsoft Office applications.
• Ability to manage multiple deadlines and work independently with minimal supervision.

Job Details Hourly officer position at Marion County Savings Bank, Salem, IL facility. Compensation is commensurate with experience and may include a base salary plus an incentive structure.

Base Salary Range:

$40,000

• $65,000 commensurate with experience This position is primarily conducted in an office and community-based environment. Some travel within the Bank's market area is required. The role involves extended periods of sitting, use of standard office equipment, and occasional evening or weekend activities for business development events. This position is supervised by the Vice President
• Chief Lending Officer.

Community Partners Savings Bank is an Equal Opportunity Employer including disability and veterans.

Pay:

$40,000.00

• $65,000.

00 per year

Benefits:

401(k) Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance

Work Location:

In person