Mortgage Loan Originator

Centralbancompany; Town of Florida (NY); On-site; USD 70,000 - 110,000; Full time

Job summary

Central Bank in Bonita Springs is seeking a Mortgage Loan Originator to develop relationships and originate residential real estate loans from inquiry through closing. You will educate borrowers on loan options, qualify applicants, and guide them through the lending process with attention to detail and customer service.

This on-site role requires at least two years of origination experience, strong sales and communication skills, and proficiency with mortgage software and Microsoft Office.

Qualifications

• High school diploma or equivalent required; additional job-related education and professional development preferred.
• Minimum of two (2) years of mortgage loan origination experience with demonstrated ability to maintain an active loan pipeline.
• Strong sales, business development, and relationship-management skills.
• Working knowledge of mortgage lending practices, underwriting guidelines, and loan qualification principles.
• Proficiency with mortgage loan origination systems and Microsoft Office applications, including Word and Excel.
• Strong communication, organizational, problem-solving, and time-management skills with the ability to manage multiple priorities.
• Ability to work independently while maintaining a high level of accuracy and customer service.

Responsibilities

• Originate residential real estate loans in accordance with established lending policies, procedures, and applicable regulatory requirements.
• Develop new business through referrals, bank-generated leads, Realtors, builders, attorneys, and other community and professional relationships.
• Interview applicants, gather required documentation, and evaluate financial information to identify appropriate mortgage solutions.
• Educate customers regarding available loan products, program requirements, and the mortgage application process.
• Manage a pipeline of mortgage applications while ensuring timely follow-up, communication, and customer service throughout the lending process.
• Partner closely with processing and operations staff to facilitate efficient loan processing and resolution of outstanding conditions.
• Maintain market awareness, including economic trends, housing activity, and competitive factors that impact mortgage lending opportunities.
• Foster strong relationships with internal partners and external referral sources while promoting a positive and professional image of the bank.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.
• Perform other duties as assigned or as needed.

Skills

Sales skills

Customer service

Relationship management

Attention to detail

Communication skills

Time management

Education

High school diploma

Tools

Mortgage loan origination systems

Microsoft Office (Word, Excel)

Job description

ABOUT CENTRAL BANK

At Central Bank, we believe banking is about building relationships and helping our customers achieve their financial goals. As a community-focused financial institution, we are committed to providing personalized service, trusted advice, and innovative financial solutions. In Bonita Springs, our team is dedicated to supporting homebuyers and homeowners through every step of the mortgage process while making a positive impact in the communities we serve.

POSITION SUMMARY

As a Mortgage Loan Originator, you will develop and manage relationships while helping individuals and families secure mortgage financing that meets their needs. You will be responsible for generating loan opportunities, originating residential mortgage loans, and guiding applicants through the lending process from initial inquiry through closing. Success in this role requires strong sales abilities, exceptional customer service, attention to detail, and the ability to build relationships with customers, Realtors, builders, and other business partners.

ESSENTIAL DUTIES AND ACCOUNTABILITIES

• Originate residential real estate loans in accordance with established lending policies, procedures, and applicable regulatory requirements.
• Develop new business through referrals, bank-generated leads, Realtors, builders, attorneys, and other community and professional relationships.
• Interview applicants, gather required documentation, and evaluate financial information to identify appropriate mortgage solutions.
• Educate customers regarding available loan products, program requirements, and the mortgage application process.
• Manage a pipeline of mortgage applications while ensuring timely follow-up, communication, and customer service throughout the lending process.
• Partner closely with processing and operations staff to facilitate efficient loan processing and resolution of outstanding conditions.
• Maintain market awareness, including economic trends, housing activity, and competitive factors that impact mortgage lending opportunities.
• Foster strong relationships with internal partners and external referral sources while promoting a positive and professional image of the bank.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.
• Perform other duties as assigned or as needed.

QUALIFICATIONS, EDUCATION AND EXPERIENCE REQUIREMENTS

• High school diploma or equivalent required; additional job-related education and professional development preferred.
• Minimum of two (2) years of mortgage loan origination experience with demonstrated ability to maintain an active loan pipeline.
• Strong sales, business development, and relationship-management skills.
• Working knowledge of mortgage lending practices, underwriting guidelines, and loan qualification principles.
• Proficiency with mortgage loan origination systems and Microsoft Office applications, including Word and Excel.
• Strong communication, organizational, problem-solving, and time-management skills with the ability to manage multiple priorities.
• Ability to work independently while maintaining a high level of accuracy and customer service.