Mortgage Loan Officer

United Bank; Charlotte (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

United Bank in Charlotte, NC is seeking a Mortgage Loan Officer to originate residential mortgage loans and develop referral relationships with realtors, builders and bankers. The role focuses on expanding our mortgage product offerings in alignment with Affordable Housing initiatives while maintaining excellent client service.

The candidate will analyze borrower information, explain loan options, and coordinate the application through underwriting to closing.

Qualifications

• Bachelor's degree or three years of direct related experience.
• Proficiency in Microsoft Office products.
• Must have working knowledge of underwriting guidelines and related regulations.
• Strong sales environment demeanor.
• Account management and customer service focus.
• Strong attention to detail and ability to multi-task.
• Excellent verbal and written communications skills; Spanish or another language a plus.
• Ability to identify banking opportunities and work with prospective clients.
• Demonstrated public speaking ability.
• Knowledge of automated underwriting engines and ability to discuss terms of approval.
• Willingness to travel frequently for client meetings or business development.

Responsibilities

• Meet with customers to identify needs and sell mortgage loan programs.
• Interview applicants and gather information for loan applications and property details.
• Analyze information and recommend appropriate bank products and options.
• Explain risks and benefits of loan options to fit the customer's financial situation.
• Communicate with applicants to resolve questions about application information.
• Remain primary contact with borrower during the process to closing, gathering documents.
• Analyze loan markets to develop new prospects and grow business.
• Develop and maintain relationships with realtors, builders, and strategic partners.
• Stay up-to-date on underwriting guidelines and market conditions.

Skills

Sales skills

Customer service

Public speaking

Interpersonal skills

Attention to detail

Verbal & written communications

Education

Bachelor's degree

Job description

United Bank

United Bank is an Equal Opportunity employer. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status, gender identity, or any other protected Federal, State/Province or Local status unrelated to the performance of the work involved.

Mortgage Loan Officer

Date: Sep 1, 2026

Location: Charlotte, NC, US, 28211

Company: United Bank

Job Description

JOB SUMMARY:

The Mortgage Loan Originator ("MLO") originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loans 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 Bank's Affordable Housing Loan Program.

RESPONSIBILITIES:

• Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs.
• Interview applicants and requests 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 and identifies customer needs and recommends 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 interviews 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.
• Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions.
• Cross sell other Bank products to clients as the opportunity arises.
• Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program.
• Submits complete loan packages for processing and final underwriting approval.
• Maintains the ability to pre-qualify clients at initial meeting.
• Works to coordinate efforts to increase loan production.
• Based on the location within a market, may be required to promote/discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures.

Qualifications

SKILLS/QUALIFICATIONS:

• Bachelor's degree or three (3) years of direct related experience or equivalent combination of education and experience required.
• Proficiency in Microsoft Office Products
• Must have 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 communications skills in Spanish or additional language a plus.
• Ability to identify potential banking opportunities and comfortable 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 of work location for client meetings or business development functions and opportunities as needed.
• Ability to work flexible hours to meet the client and business development requirements
• Ability to possess a NMLS license or obtain NMLS license within a reasonable timeframe
• Ability to complete ongoing NMLS training and ensure SAFE Act compliance as required

KEY COMPETENCIES:

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

Essential Functions:

• 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 organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.

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