Mortgage Loan Officer

ChoiceOne Financial Services, Inc.; Saginaw, Northern (MI, KY); Hybrid; USD 55,000 - 95,000; Full time

Job summary

ChoiceOne Bank is seeking an Outside Sales Mortgage Loan Originator in Saginaw, MI. The role focuses on generating residential mortgage loan business through proactive, in-person sales activities outside the employer’s office.

You will build relationships, solicit applications, review financials, and guide clients through the mortgage process while ensuring regulatory compliance. Remote-eligible, full-time position with strong emphasis on customer service and closing loans.

Qualifications

• Thorough knowledge of the lending function.
• General Accounting knowledge.
• Ability to perform minimal data entry.
• Ability to handle multiple tasks simultaneously.
• Ability to meet established deadlines.

Responsibilities

• Identify, develop, and maintain relationships with prospective borrowers through networking, referrals, and community engagement.
• Actively solicit mortgage loan applications by meeting clients at their homes, workplaces, or other locations outside the employer’s office.
• Explain mortgage products, terms, and conditions in in-person meetings.
• Collect and review financial documentation and credit reports.
• Obtain signed applications and ensure disclosures and compliance steps are completed.

Skills

Written and Oral Communication

Quality

Analytical

Technical Skills

Dependability

Initiative

Education

High School Diploma or equivalent

Bachelor's Degree preferred

Job description

# Mortgage Loan OfficerSaginaw - Saginaw, MI 48607## OverviewPosition TypeFull Time## Description**Corporate Values & Mission**“Provide superior service, quality advice and show our utmost respect to everyone we meet.”**General Summary**The Outside Sales Mortgage Loan Originator is responsible for generating residential mortgage loan business through proactive sales activities conducted primarily outside the employer’s place of business. This role focuses on building relationships, meeting clients in person, and guiding them through the mortgage process while ensuring compliance with all regulatory and company standards. **Reports To:**Mortgage Sales Manager**Essential Duties and Responsibilities**Sales and Business Development* Identify, develop, and maintain relationships with prospective borrowers through networking, referrals, and community engagement.* Actively solicit mortgage loan applications by meeting clients at their homes, workplaces, or other locations outside the employer’s office.* Keep current on market conditions and competitive interest rates.Client Consultation and Loan Origination* Conduct in-person meetings to explain mortgage products, terms, and conditions tailored to client needs.* Collect and review financial documentation, including income, employment history, assets, and credit reports.* Accept mortgage loan applications according to policies, procedures, and guidelines established by ChoiceOne Bank, regulatory agencies, and other appropriate entities.Negotiation and Closing* Obtain signed applications and agreements for mortgage loans.* Ensure all required disclosures and compliance steps are completed accurately and timely.Relationship Management* Maintain ongoing communication with clients throughout the loan process.* Provide exceptional customer service to ensure a smooth closing experience.Other Duties* Understand the loan underwriting standards.* Continually review journals, articles, publications, and other material to review regulatory and legal changes pertinent to mortgage lending to ensure that all policies and procedures comply with all applicable laws and regulations.* Develop relationships and knowledge which encourage referrals and synergies with co-workers.* Develop partnerships with commercial, consumer, investment, and insurance divisions.* Participate in staff meetings, including communication of information to staff members.* Involvement in marketing of products, services, and promotions related to mortgage loan campaigns and marketing efforts of the organization.* Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.* Additional responsibilities as assigned.**Competencies****Written and Oral Communication** – Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.**Quality** – Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.**Analytical** – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.**Technical Skills** – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures**Dependability** – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.**Initiative** – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.**Physical Demands and Work Environment*** Must be able to lift 25 lbs.* Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.* Ability to work in an office environment which may include many hours of computer and telephone usage.This position is remote-eligible on a full-time basis.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.## Qualifications**Qualifications**To perform this job successfully, an individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.* Thorough knowledge of the lending function* General Accounting knowledge* Ability to perform minimal data entry* Ability to handle multiple tasks simultaneously* Ability to meet established deadlines**Experience and/or Education*** High School Diploma or equivalent* Bachelor's Degree in business-related major preferred* Five (5) to seven (7) years of progressively more responsible job-related experience to be familiar with all lending functions and regulatory requirements**LICENSES & DESIGNATIONS*** NMLS Registration