External Residential Mortgage Originator Build Partnerships

Cogent-Bank; Jacksonville (FL); On-site; USD 70,000 - 110,000; Full time

Job summary

The External Residential Mortgage Loan Originator (MLO) at Cogent Bank is responsible for soliciting and originating residential mortgage loans from sources outside the Bank, leveraging existing relationships across Florida and beyond.

The role prioritizes high-quality customer service, loan quality, and regulatory compliance. A proven production record, strong communication, and a robust referral network are essential to drive business growth for Cogent Bank.

Qualifications

• Active NMLS Mortgage Loan Originator license or ability to obtain.
• 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 with realtors, builders, investment advisors, and other referral partners.
• Regularly visit referral partners and centers of influence, marketing Cogent Bank’s mortgage products and explaining risks and benefits.
• Interview prospective customers to understand needs and explain mortgage products and terms.
• Obtain data and evaluate financial status to establish recommendations for loan approval.
• Communicate loan status and underwriting conditions to customers and schedule closings.
• Maintain knowledge of lending regulations, guidelines, economy, and competitors.
• Conduct business professionally to enhance the Bank’s goodwill.
• Ensure BSA/AML/OFAC compliance and complete related training.
• Perform all other duties as directed by management.

Skills

NMLS license

Mortgage origination

Referral network

Sales skills

Communication skills

Fast-paced

Encompass knowledge

Optimal Blue knowledge

Job description

The External Residential Mortgage Loan Originator (MLO) at Cogent Bank is responsible for soliciting and originating residential mortgage loans from sources outside the Bank, leveraging existing relationships across Florida and beyond.

The role prioritizes high-quality customer service, loan quality, and regulatory compliance. A proven production record, strong communication, and a robust referral network are essential to drive business growth for Cogent Bank.