Loan Originator - Outside Sales

Gold Star Mortgage Financial Group, Corporation; Grand Rapids (MI); On-site; USD 60,000 - 100,000; Full time

Job summary

Gold Star Mortgage Financial Group, Corporation is seeking a proactive Loan Originator (Outside Sales) to build a client base in Grand Rapids, MI. You will meet realtors and financial planners, present loan options, and guide borrowers through the financing process with a focus on compliance and customer service.

The role emphasizes field-based outreach, relationship development, and accurate credit analysis to tailor mortgage solutions.

Qualifications

• High school diploma or equivalent required.
• Associate’s degree preferred.
• At least 3 years of mortgage lending experience with B2B sales success.
• Verifiable track record of purchase and referral-based sales.
• Excellent attention to detail and strong organizational skills.
• Strong oral and written communication skills.
• Experience with Encompass is a plus.

Responsibilities

• Source business via in-person meetings with realtors, financial planners, and partners.
• Develop clientele through seminars, lunches, and open houses.
• Present new products and services to groups.
• Visit clients at closing to ensure a smooth and compliant transaction.
• Analyze credit and financial data to tailor loan options.
• Negotiate loan rates and terms based on borrower profiles.
• Maintain knowledge of underwriting guidelines and investor regulations.
• Coordinate with processors, underwriters, and staff to monitor loan progress.
• Complete licensing prerequisites and ongoing training.
• Provide unsurpassed customer service.

Skills

Oral and written communication

Attention to detail

Time management

Strong work ethic

B2B relationship selling

Education

High school diploma or equivalent

Associate’s degree (preferred)

Tools

Encompass

Job description

Position:Loan Originator - Outside Sales

Location: Grand Rapids, MI

Job Id:1731

# of Openings:1

MORTGAGE LOAN ORIGINATOR – OUTSIDE SALES

Position Title: Loan Originator (Outside Sales)
Title Grade: (I) Junior or (II) Senior
Reports to: Sales Manager or Branch Manager
Department: Sales
Status: Regular, Full-Time or Part Time
FLSA Status: Exempt
Pay Grade: Commission and/or Recoverable Draw Against Commission (DOE)

SUMMARY & PURPOSE OF POSITION

Mortgage Loan Originators (MLOs) serve as the foundation of Gold Star’s business. The MLO will act as the face of Gold Star and our representative in the community. We seek banking professionals that have a passion to help others achieve security with safe and smart financial products, and demonstrate it through motivation, self-discipline, and customer service. Those who are willing to challenge themselves to develop alongside a dynamic, employee-first organization will find success at Gold Star. Excellence in this position will be achieved by providing personable, friendly service in the field.

PRIMARY POSITION-SPECIFIC RESPONSIBILITIES

• Source business via in-person meetings with realtors, financial planners, and other partners;
• Develop clientele base via lunch-and-learns, seminars, presentations, and open houses;
• Give group presentations to introduce new products and services;
• Visit clients at closing to ensure a smooth and compliant transaction;
• Determine the financial products that best meet the customer’s needs and financial circumstances, and provide advice on the advantages and disadvantages of different financial products;
• Negotiate loan rates and terms on behalf of the consumer, and apply the borrower’s unique credit profile to loan scenarios in order to provide financial options to the consumer;
• Consult with prospective borrowers to determine their financial objectives and goals, review/analyze credit and financial data, and pre-qualify applicants;
• Maintain an in-depth knowledge of highly technical and evolving underwriting/lending guidelines, investor regulations, and utilize specialized knowledge of loan products to interpret these guidelines to assist the borrower in his/her understanding;
• Present options and alternatives for various financial products that we offer, explain rates and terms in an easy to understand manner, and answer questions regarding the financing process;
• Monitor the loan’s process and work closely with processors, underwriters, and staff;
• Attend and complete all required training, maintain knowledge of all lending policies, procedures, guidelines, and regulations, and complete all licensing prerequisites and requirements;
• Provide unsurpassed customer service;
• Complete other duties as assigned.

PREFERRED EDUCATION/EXPERIENCE

• High school or equivalent required;
• An Associate’s degree from an accredited college preferred;
• At least three (3) years of experience in mortgage lending with demonstrated success in developing relationships by in-person B2B sale required;
• Verifiable track record of recent successful purchase and referral based sales volume;
• Must have exceptional attention to detail and strong organizational skills;
• Outstanding work ethic and time management skills;
• Perform exceptionally well under pressure;
• Possess strong oral and written communication skills;
• Prior experience with Encompass, a plus.

PHYSICAL DEMANDS/ENVIRONMENT

This position is customarily engaged in field work, and as such frequent travel will be common, though generally limited to a 50 mile radius from the employee’s base of operations. Rare lifting of up to 25lbs may be required.