Mortgage Loan Originator

Mortgage Loan Originator – Midland States Bank

Location: Dixon, IL

Employment Type: Full Time

Position : JR1040-

Salary Range: $48,500+ annually

At Midland States Bank, base salary is one component of our Total Rewards program. Additional compensation may include short-term incentives and long-term incentives. Benefits include comprehensive healthcare, well-being benefits, paid family leave, generous paid time off, banking perks, Employee Stock Purchase Plan, 401(k) plan with match, and more.

Develops relationships and solicits business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs. Primary responsibilities include collecting and analyzing prospects’ income, assets, liabilities to advise them on the most appropriate mortgage products and other services to meet their financial needs. This position is an individual contributor.

• 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.
• Follows up with applicants and secures necessary information to process and underwrite the loan; conducts site visits if needed.
• Provides assistance to help potential borrowers successfully qualify for financing.
• Consistently achieves volume and/or unit production targets.
• Works cooperatively with cross-functional teams, community-based organizations, title companies and referral partners.
• Actively cross-sells bank products where applicable.
• Projects a positive attitude and acts with integrity at all times.
• Delivers “best-in-class” customer service.
• Provides support at bank-sponsored events.
• Adheres to state and federal laws, regulations, and the Company’s Compliance Policy.
• Travel occasionally for training and team meetings.
• Works as needed in Midland office to support internal and external customers.
• Maintains compliance with applicable regulations including the Bank Secrecy Act.
• Performs other duties as assigned.

• 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.
• Knowledge of FHA, FNMA, and FHLMS underwriting guidelines.
• Knowledge of mortgage compliance regulations.
• Business acumen and judgement regarding bank mortgage products, policies, and procedures.
• Needs analysis skills – analyzing information regarding customer income/debts, etc.
• Interpersonal, persuasive, influencing, and negotiation skills.

• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Authenticity
• Emotional Intelligence
• Self development
• Flexibility and adaptability

At Midland States Bank, we are proud to be an Equal Opportunity and affirmative action employer. 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 require reasonable accommodation during the application or hiring process, please contact Midland States Bank Human Resources at

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT.