Mortgage Loan Officer

Mid-Missouri Bank; Springfield (MO); On-site; USD 60,000 - 90,000; Full time

Job summary

Mid-Missouri Bank seeks a Mortgage Loan Officer to originate home loans and build trusted relationships with customers, Realtors®, builders, and community partners across southwest Missouri. You will guide clients through financing decisions with integrity and local expertise.

The role emphasizes community involvement, collaboration, and growth opportunities within a people-first culture. Bachelor’s degree and 2–5+ years in mortgage or related sales are preferred.

Qualifications

• Strong oral and written communication skills.
• Thorough understanding of company policies, procedures, systems, and objectives.
• Excellent interpersonal and negotiation skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills with initiative and judgment.
• Ability to work well in a high-paced, sometimes stressful environment.
• Substantial knowledge of loan types and documents.
• Ability to work independently.
• Proficient with Microsoft Office Suite.

Responsibilities

• Procure secondary market and portfolio mortgage loans and cross-sell bank products including home equity loans.
• Personally interview loan applicants.
• Complete each loan application and oversee pre-processing to provide disclosures timely.
• Oversee ordering of credit reports and documents for residential loan applicants.
• Comply with lending regulations and underwriting policies.
• Determine appropriate loan programs and product types; be proficient with pricing (rates/points).

Skills

Communication skills

Interpersonal skills

Negotiation

Analytical skills

Attention to detail

Regulatory knowledge

Independent work

Microsoft Office

Education

Bachelor's degree in finance, business or economics

Tools

Microsoft Office

Job description

Job Details: Job Location: Springfield-Independence - Springfield, MO 65804, Position Type: Full Time, At Mid-Missouri Bank, we believe great work starts with great people. We've built a culture where collaboration, innovation, and a little fun go hand in hand and were giving back to our community is part of who we are.

Why You'll Love Working Here

At Mid-Missouri Bank, we believe great work starts with great people. We've built a culture where collaboration, innovation, and a little fun go hand in hand, and where giving back to our communities is part of who we are. As a Mortgage Loan Officer, you'll do more than originate home loans. You'll help individuals and families achieve the dream of homeownership while building trusted relationships with customers, Realtors®, builders, and community partners across southwest Missouri.

This is an exciting opportunity to grow your career in a region that continues to attract new residents, expand neighborhoods, and create demand for housing. You'll have the chance to make a meaningful impact by helping customers navigate one of the most important financial decisions of their lives, while representing a community bank known for exceptional service and local decision-making.

What makes this opportunity special?

• Make a Difference: Guide customers through the home financing process and help turn homeownership goals into reality.
• Build Meaningful Relationships: Partner with homebuyers, Realtors®, builders, and community organizations to serve the financial needs of our communities.
• Grow With the Market: Southwest Missouri continues to experience growth, creating opportunities to develop your network and expand your business.
• Be Active in the Community: Represent the bank through community involvement, educational events, sales meetings, and relationship-building opportunities.
• People-First Culture: We value respect, inclusion, teamwork, and supporting one another's success.
• Have Fun Along the Way: We believe a great workplace includes celebrations, camaraderie, and opportunities to enjoy what you do.
• Invest in Your Future: Through training, mentorship, and career development opportunities, we're committed to helping you grow.

You'll be empowered to use your expertise to identify the best lending solutions for customers while operating with integrity and a commitment to regulatory compliance and fair lending practices. Most importantly, you'll join a team that works together to serve customers, strengthen communities, and support one another.

Join a bank that invests in its employees as much as its customers and was named Missouri's #1 Best Bank by Forbes in both 2025 and 2026.

Essential Duties

• Procures Secondary market and Portfolio mortgage loans and cross selling of Bank products including home equity loans. Informs prospective loan clients of the financial institution's underwriting guidelines and applicable government regulations.
• Personally interviews loan applicants.
• Completes each loan application and oversees all pre-processing functions in a timely manner to permit the good faith estimate and other required disclosures to be provided to applicants within the requested time period.
• Oversees ordering of credit reports, client documents, automated underwriting systems and other information as needed on residential loan applicants.
• Complies with lending regulations and bank's underwriting guidelines and lending policies.
• Determines appropriate loan programs and product types for applicants. Must be proficient with loan pricing, i.e. rates/points

Qualifications: KNOWLEDGE, SKILLS AND ABILITIES:

• Strong oral and written communication skills
• Thorough understanding of the company's policies, procedures, systems, and objectives.
• Excellent interpersonal and negotiation skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills with a proven ability to exercise initiative, judgment, and discretion.
• Ability to function well in a high-paced and at times stressful environment.
• Strong interpersonal skills
• Substantial knowledge of loan types and documents
• The ability to work independently
• Proficient with Microsoft Office Suite or related software.

EDUCATION AND EXPERIENCE:

• Minimum of 2-5 + Years Mortgage, sales or related experience
• Bachelor's degree in finance, business or economics

PHYSICAL REQUIREMENTS:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.