Mortgage Loan Originator

Position Title

Mortgage Loan Originator

Dixon, IL

Full time

JR1040-

At Midland States Bank, we’re proud to be a little different. We’re focused on meeting every customer’s needs with bright solutions and a heartfelt, personalized approach. For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow-through. We foster programs that empower our communities, invest in our employees, and pursue brighter futures for all. Our ambition is to stay unique while providing strength you can count on with heart you can feel.

At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (bonus/commission) and may include long-term incentives (stock awards). Benefits include comprehensive healthcare, well-being benefits, paid family leave, generous paid time off, banking perks, Employee Stock Purchase Plan, 401K with company match, and potential participation in a Non-Qualified Deferred Compensation plan.

Incentives and benefits are subject to eligibility requirements.

Develops relationships and solicits business from referral partners such as realtors, builders, bank colleagues, attorneys, and CPAs. Primary responsibilities include collecting and analyzing prospect income, assets, and liabilities to advise on the most appropriate mortgage products and other financial solutions to meet their 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 customers' 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 acts with integrity at all times.
• Delivers best-in-class customer service.
• Provides support at bank-sponsored events.
• Must adhere to pertinent state and federal laws and regulations, the Company’s Compliance Policy, and external compliance requirements.
• The role requires occasional travel for training and team meetings, and willingness to travel periodically to locations within the market as needed.
• May require work in a Midland office to ensure collaboration and support of internal and external customers.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• 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/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
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self development
• Being flexible and adaptable

At Midland States Bank, we believe that when we bring our whole selves to work, we are happier and more confident. We are 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 in completing this application or participating in the selection process, please contact Midland States Bank Human Resources.

This job description does not constitute a contract for employment.