Mortgage Loan Originator (MLO)

Tri City National Bank; Oak Creek (WI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) with company match

Tuition reimbursement

Medical, dental, and vision coverage

Paid vacation and more

Job summary

Tri City National Bank is seeking an experienced Mortgage Loan Originator to build a strong client pipeline and close loans across Conventional, FHA, VA, WHEDA, and more. The role relies on referrals, networking, and relationship management within our community-focused bank.

You will market mortgage products, coordinate with branches, and stay compliant with applicable regulations while delivering exceptional customer service and timely updates to borrowers.

Qualifications

• Two to four years of mortgage loan origination experience; degree preferred.

Responsibilities

• Develop and manage a strong pipeline of mortgage customers and closings.
• Guide customers through loan process from application to closing, ensuring customer relations.
• Maintain knowledge of industry regulations and Bank policies.
• Develop a business plan with marketing activities and production goals.
• Build and maintain client and referral relationships.
• Collaborate with branches and mortgage department to develop loan solutions.
• Report regulatory issues or suspected fraud to management.

Skills

Mortgage origination

Sales performance

Relationship building

Regulatory knowledge

Networking

Communication

Problem solving

Microsoft Office

CFPB QM/ATR knowledge

Education

Associate or Bachelor's degree preferred

Tools

Mortgagebot

Mortgage origination systems

Job description

Overview

Invest In You! Tri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. Our team-oriented environment offers exceptional opportunities for personal and professional growth, celebrating success, and providing excellent benefits along the way. We believe in unparalleled customer service and the right banking solutions to help fulfill financial dreams and contribute to community growth.

This position is for an experienced Mortgage Loan Originator with a proven sales background. Tri City National Bank offers a competitive salary and variable compensation based on production. The Bank provides a full suite of mortgage products, including Conventional, FHLBC, FHA, VA, WHEDA, Portfolio ARMs, Single Close Construction, HELOC, HELOAN, ARM, and Bridge loans.

The Mortgage Loan Originator will have opportunities to generate business through both bank-provided referrals and established external referral sources. Success in this role requires strong networking, relationship-building, and customer management skills.

As a full-service community bank offering a broad range of retail and commercial banking products, Tri City National Bank seeks individuals who work collaboratively across departments to support company growth and meet customers' financial needs. This role serves as a trusted relationship manager throughout the customer lifecycle.

Responsibilities

• Develop and manage a strong pipeline of mortgage customers while ensuring timely loan closings.
• Perform all loan origination activities in compliance with applicable regulations and Bank policies and procedures; maintain current knowledge of industry and regulatory changes.
• Guide customers through the entire loan process, from application and analysis through closing, while maintaining positive customer relationships.
• Establish clear customer expectations and provide timely status updates to ensure a positive customer experience.
• Develop and execute a business plan with defined marketing activities and production goals; periodically evaluate and adjust as needed.
• Develop new client and referral relationships while maintaining existing partnerships.
• Build effective working relationships within assigned branches, the mortgage department, and other areas of the Bank.
• Collaborate with management to develop loan solutions, products, and services.
• Report any process or procedure that does not meet regulatory requirements, including suspected or confirmed fraud, to management.

Qualifications

• Two to four years of successful mortgage loan origination experience; associate or bachelor's degree preferred.
• Strong verbal, written, listening, and interpersonal communication skills.
• Ability to maintain quality, productivity, flexibility, and professionalism while working with customers.
• Excellent problem-solving, planning, organizational, and time management skills.
• Ability to thrive in a fast-paced, evolving industry.
• Demonstrated integrity and ability to maintain confidentiality.
• Established referral network, including Realtors, Financial Planners, Builders, and related professionals.
• Proficiency with Microsoft Windows, Word, Excel, and PowerPoint.
• Experience with mortgage loan origination systems; Mortgagebot experience preferred.
• Knowledge of current lending regulations.
• Strong analytical skills with the ability to explain rates and terms, evaluate credit requests, recommend appropriate mortgage products, and counsel applicants on options to improve future approval opportunities.
• Strong understanding of Conventional, FHA, VA, and WHEDA mortgage programs, including processing, documentation, underwriting, and closing requirements.
• Working knowledge of CFPB Qualified Mortgage and Ability-to-Repay guidelines.

Additional Skills and Qualities

• Passion for sales and marketing with a high level of energy and initiative.
• Proven ability to develop and maintain strong professional relationships.
• Demonstrated success in mortgage sales.
• Strong knowledge of banking products and services.
• Understanding of the evolving mortgage industry and digital lending environment.
• Active NMLS license in good standing and transferable to Tri City National Bank.

Why Join Us:

• Community Impact: Be part of a local bank deeply rooted in community values, contributing to the growth and prosperity of our neighborhoods.
• Innovation: Embrace a dynamic and evolving work environment that encourages fresh perspectives and continuous learning.
• Career Growth: Unlock future opportunities for personal and professional development as you navigate through our Pathways for Success.
• Celebration of Success: Join a team that values and celebrates individual and collective achievements.
• Work Life Balance: No early mornings or late nights, enjoy a predictable schedule with major holidays off.
• Great Employee Benefits that start on the 1st of the month after your hire date!
  • 401(k) with company match**
  • Up to 20 hours of paid vacation after 6 months
  • 401(k) with company match
  • Tuition reimbursement
  • Medical, dental, and vision coverage
  • Paid vacation and more!

Equal Opportunity Employer/Veterans/Disabled

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Reasonable Accommodation

If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process, please contact Human Resources at 414-761-1610 or [e-mail]

(**Must be 21 to enroll in 401(k), and must work an average of 20+ hours per week in order to be eligible for paid vacation.)