External Residential Mortgage MLO — Relationship Builder

Cogent Bank; Jacksonville (FL); On-site; USD 60,000 - 90,000; Full time

Job summary

Cogent Bank is seeking an External Residential Mortgage Loan Originator in Florida/National markets. The role focuses on soliciting and originating residential loans from outside sources while delivering high-quality customer service and loan quality.

Responsibilities include developing relationships with realtors and centers of influence, visiting partners, interviewing prospects, and evaluating financial data to support loan approvals. Knowledge of Encompass and Optimal Blue is preferred.

Qualifications

• Active NMLS Mortgage Loan Originator License or ability to attain.
• Minimum two years of mortgage origination experience with own referral network.
• Proven track record of meeting or exceeding production goals.
• Superior sales skills combined with a service mentality.
• Excellent written and verbal communication skills required.
• Ability to thrive in fast paced environment.
• Encompass knowledge preferred.
• Optimal Blue knowledge preferred.

Responsibilities

• Attract new mortgage loan applications through existing relationships, specifically with realtors, builders, investment advisors, other referral partners and centers of influence.
• Regularly make sales visits to referral partners and centers of influence, marketing the Bank’s mortgage loan products and services accurately and effectively, including explanation of risks and benefits.
• Interview prospective customers to understand their needs and explain mortgage products and terms.
• Obtain relevant information (data and documents) and evaluate prospective customers’ financial status, including credit, employment, income, assets, and appraisal report(s), to establish recommendation for loan approval.
• Consistently communicate with prospective customers, including status of loan applications, answering questions, explanation of underwriting conditions including additional documentation needed and scheduling of closing.
• Maintain current knowledge of all applicable lending regulations, agency, government and investor guidelines along with the economy, interest rate environment, vendors, and competitors.
• Conduct all business in a professional and ethical manner to serve customers and increase the goodwill of the Bank.
• Ensure BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• All other tasks, responsibilities, or duties, as directed by management.

Skills

NMLS License

Mortgage Origination

Referral Network

Production Track

Sales Skills

Communication Skills

Encompass

Optimal Blue

Job description

Cogent Bank is seeking an External Residential Mortgage Loan Originator in Florida/National markets. The role focuses on soliciting and originating residential loans from outside sources while delivering high-quality customer service and loan quality.

Responsibilities include developing relationships with realtors and centers of influence, visiting partners, interviewing prospects, and evaluating financial data to support loan approvals. Knowledge of Encompass and Optimal Blue is preferred.