Mortgage Loan Officer

Mmbba; Charlotte, Northern (NC, KY); 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 loans in the secondary market, building relationships with realtors, builders, and strategic partners to expand mortgage offerings.

The role requires knowledge of underwriting guidelines (FHA/VA) and the ability to cross-sell bank products while ensuring compliance. Occasional travel and flexible hours may be required.

Qualifications

• Bachelor's degree or 3 years direct related experience.
• Proficiency in Microsoft Office products.
• Working knowledge of underwriting guidelines.
• Strong sales orientation and client service focus.
• NMLS license or ability to obtain.
• Willingness to travel frequently.
• Ability to speak Spanish or another language a plus.

Responsibilities

• Meet with customers to identify needs and sell mortgage loan programs.
• Interview applicants and collect required loan documentation.
• Analyze information and recommend suitable bank products.
• Advise on risks and benefits to fit financial goals.
• Coordinate application information to closing.
• Develop new business from multiple sources and referral partners.
• Maintain knowledge of pricing and underwriting requirements.
• Cross-sell other bank products when opportunities arise.
• Travel frequently to meet clients off-site as needed.
• Work flexible hours to meet client and business needs.

Skills

Mortgage Lending

Sales Skills

Underwriting Knowledge

NMLS License

Bilingual Spanish

Education

Bachelor's degree / 3 years experience

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.

PI286854038