Mortgage Loan Officer

The Mortgage Loan Originator (“MLO”) originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loan products to our customers and enhancing the bank’s fee‑based income. The MLO is to develop referral relationships with realtors, builders, bankers, and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including the Bank’s Affordable Housing Loan Program.

• Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs.
• Interview applicants and request specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property.
• Analyze information provided by the customer, identify customer needs, and recommend the appropriate Bank product offerings and options.
• Advise customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals.
• Communicate with or interview applicants or creditors to resolve questions regarding application information.
• Remain primary contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process.
• Analyze potential loan markets to develop prospects for loans.
• Develop new business from multiple sources while retaining existing business.
• Develop and maintain working relationships with realtors, builders, and other strategic referral partners.
• Know underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and stay up‑to‑date on market conditions.
• Cross‑sell other Bank products to clients as opportunities arise.
• Maintain thorough knowledge of pricing and underwriting requirements. Be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program.
• Submit complete loan packages for processing and final underwriting approval.
• Maintain the ability to pre‑qualify clients at the initial meeting.
• Coordinate efforts to increase loan production.
• Based on the location within a market, promote or discuss consumer lending products with customers in compliance with the Safe Act guidelines and United procedures.

• Bachelor’s degree or three (3) years of direct related experience or an equivalent combination of education and experience.
• Proficiency in Microsoft Office Products.
• Working knowledge of underwriting guidelines and other related regulations.
• Strong sales environment demeanor.
• Account management and customer service focused.
• Strong attention to detail and ability to multi‑task.
• Excellent verbal and written communication skills in Spanish or an additional language (a plus).
• Ability to identify potential banking opportunities and comfortably work with prospective clients.
• Demonstrated strong public speaking ability.
• Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval.
• Ability to obtain strong product knowledge.
• Ability to travel frequently off‑site from work location for client meetings or business development functions and opportunities as needed.
• Ability to work flexible hours to meet client and business development requirements.
• Ability to possess a NMLS license or obtain an NMLS license within a reasonable timeframe.
• Ability to complete ongoing NMLS training and ensure SAFE Act compliance as required.

• Ethical.
• Interpersonal skills.
• Professional relationship building and client management skills.
• Sales driven.

• Sitting or standing for extended periods of time.
• Ability to efficiently operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff within the organization.
• Ability to observe, perceive, identify, and translate data.
• Ability to travel via air, rail, automobile, and/or bus.

Please  to access a list of benefits for which this position is eligible. Additional information regarding United’s Mission, Values and Culture can be found here.

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.