Mortgage Loan Originator

HR-Consulting-Solutions-LLC; Cleveland (TN); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Generous PTO and 12 paid holidays

Medical, Dental, and Vision Insurance

401K retirement with company match

Job summary

River Valley AgCredit is seeking a Mortgage Loan Originator in Cleveland, Tennessee. The role focuses on originating rural residential and lifestyle loans, developing business with Association customers and referral partners, and maintaining loan supervision throughout processing.

The ideal candidate will have strong networking, relationship-building, and loan-criteria analysis skills, plus experience with LOS and financial software. On-site role with a focus on local market penetration.

Qualifications

• Two years of post-secondary education and at least two years of related experience, preferably in lending or legal fields.
• Four+ years of professional experience in lending, financial services, or real estate preferred.
• Demonstrated understanding of mortgage loan origination, documentation, and compliance standards.
• Experience working directly with borrowers, title companies, appraisers, and other professionals in the loan process.

Responsibilities

• Develop and implement a marketing plan for residential and lifestyle loan products to meet volume and income goals.
• Engage in active business development, networking, and public relations to promote products and services.
• Participate in community events to increase exposure in the target market.
• Collaborate with the Sales Manager to stay within budget.
• Originate and administer loans in accordance with Farm Credit System and Association regulations.
• Ensure loan decisions are supported by accurate, well-documented facts.
• Prepare and deliver complete loan packages promptly for efficient processing.
• Maintain effective supervision of loans to protect the Association's financial position.
• Achieve an average processing time of fewer than 55 days from application to closing.
• Ensure loan pricing achieves maximum gross profit, aligned with market conditions.

Skills

Networking

Lead generation

Relationship management

Communication

Customer service

Loan file management

Independent work

Teamwork

Education

Two-year post-secondary education

Tools

LOS (Mortgage origination systems)

Job description

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for aMortgage Loan Originator to work alongside their team in Cleveland, Tennessee.

POSITION SUMMARY

The Mortgage Loan Originator markets and originates qualified rural residential and lifestyle loans. Develops business development strategies that target potential Association customers and other influencers that may be a source of referrals for qualified residential and lifestyle loans. Maintains effective supervision of loans through sound loan administration to ensure Association position. Markets the Association by being a source of referrals for other lending segments of the Association.

PRIMARY WORK LOCATION

• Cleveland, Tennessee

REPORTS TO

• Country Mortgage Manager

SUPERVISORY RESPONSIBILITIES

• None

MINIMUM EDUCATION AND EXPERIENCE

• Two years of post-secondary education and at least two years of related experience, preferably in the lending or legal field.
• Four or more years of professional experience in lending, financial services, or real estate preferred.
• Demonstrated understanding of mortgage loan origination, documentation, and compliance standards.
• Experience working directly with borrowers, title companies, appraisers, and other professionals in the loan process.

PREFERRED QUALIFICATIONS

• Skilled in networking, generating leads, and developing new business through proactive relationship management.
• Knowledge of laws, regulations, and credit practices in the Farm Credit System and the Association, with an emphasis on consumer lending.
• Strong understanding of residential and lifestyle loan products, including construction, refinance, and rural housing programs.
• Experience using mortgage or loan origination systems (LOS) and other financial software tools.
• Ability to analyze borrower financials and assess creditworthiness accurately and efficiently.
• Exceptional communication and customer service skills with the ability to build rapport and trust with borrowers and referral partners.
• Demonstrated ability to manage multiple loan files while meeting deadlines and maintaining accuracy.
• Provides referrals to other lending segments and promotes full-service Association products.
• High level of professionalism, integrity, and attention to detail
• Team-oriented mindset with the ability to work independently under minimal supervision.

MINIMUM POSITION RESPONSIBILITIES

• Develop and implement a marketing plan for residential and lifestyle loan products that meets Association volume and income goals.
• Perform active business development, networking, and public relations activities to promote Association products and services.
• Engage in planned marketing activities designed to stimulate loan demand, expand market penetration, and enhance Association name recognition.
• Participate in community and public-relations events to increase exposure in the target market.
• Collaborate with the Sales Manager to remain within the established marketing budget.
• Originate and administer loans in a sound, constructive manner in accordance with Farm Credit System and Association regulations.
• Ensure all loan decisions are supported by accurate, well-documented facts and analysis.
• Prepare and deliver complete loan packages promptly to facilitate efficient processing and compliance.
• Maintain effective supervision of loans to protect the Association's financial position.
• Achieve an average processing time of fewer than 55 days from application to closing.
• Ensure loan pricing achieves maximum gross profit, consistent with market conditions and area characteristics.

BENEFITS OF WORKING WITH US

• Competitive Salary
• Performance Based Bonus (Incentive Pay)
• Generous PTO (Vacation and Sick Time) and 12 Paid Holidays
• Medical, Dental, and Vision Insurance
• 401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
• Company Provided Life Insurance and Disability Coverage

We are an Equal Opportunity Employer and prohibit discrimination and harassment of any kind. Our company is committed to the principle of equal employment opportunity for all employees and applicants, providing everyone with a work environment free of discrimination and harassment. All employment decisions within our organization are based on business needs, job requirements and individual qualifications, without regard to age, race, color, religion, sex, gender, gender identity, sexual orientation, national origin, disability, veteran status, or any other status protected by the laws or regulations in the locations where we operate. We will not tolerate discrimination or harassment based on any of these characteristics.