Mortgage Originator | South Grand

Busey Bank; St. Louis (MO); Hybrid; USD 53,000 - 67,000; Full time

Benefits offered by this job

401(k) match

Profit sharing

Employee stock purchase plan

Medical insurance

Dental

Vision

Life insurance

Long-term disability

Wellness incentives

Employee assistance program

HSA/FSAs

Job summary

Busey Bank is seeking a Mortgage Originator to develop new business and originate quality mortgage loans in line with bank policies. You will work with internal teams to cross-sell products and deepen customer relationships.

The role requires strong communication, sales and underwriting knowledge, plus proactive outreach to realtors and builders to expand the bank's mortgage footprint. Base pay reflects experience and market trends.

Qualifications

• High School diploma required; mortgage lending or operations experience preferred.
• Strong communication and sales skills with ability to cross-sell.
• Knowledge of lending regulations and underwriting guidelines.
• Ability to analyze numerical data and work under time pressures.
• Proven closing skills and customer service excellence.

Responsibilities

• Consult with customers on borrowing needs and prepare mortgage applications.
• Negotiate terms, obtain documentation, and commit on behalf of the bank.
• Oversee pre-processing to provide disclosures within required timelines.
• Underwrite by analyzing financial data and recommend approvals.
• Develop relationships with realtors and referral sources to grow business.

Skills

Communication skills

Sales skills

Cross-selling

Lending regulations knowledge

Numerical data analysis

Time management

Initiative

Closing skills

Education

High School diploma

Tools

Microsoft Office

Job description

Position Summary

The Mortgage Originator is responsible for developing new business and originating quality mortgage loans in accordance with established Bank policies and procedures. This position will serve as representative of the Bank and will work with internal lines of business to cross-sell other products and services and deepen relationships.

Duties & Responsibilities

Consult with Bank customers and non-customers regarding borrowing needs, negotiate terms and conditions, assist in preparing mortgage loan applications, and obtain all necessary documentation from applicants.

Make verbal and written commitment on behalf of the Bank which includes rate terms, pre-qualification, mortgage commitment, etc.

Complete each loan application and oversee 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.

Analyze financial and credit information necessary to effectively underwrite loans and recommend approval or rejection of mortgage loans within lending authority.

Engage in outside opportunities, i.e. calls, open houses, seminars, realtor functions to develop and maintain relationships with realtors, home builders, individual contacts, and other referral sources generating feedback to increase their business relationship with the Bank.

Identify customer’s and non-customers’ other financial needs and cross-sell other bank products and services.

Education & Experience

Knowledge of:

• Strong oral and written communication skills


• Strong sales and customer service skills


• Cross-selling and closing skills


• Lending regulations and Bank's underwriting guidelines and lending policies


• Loan types, products, services and documents

Ability to:

• Analyze and interpret numerical data


• Take initiative to maintain the flow of work


• Perform duties under frequent time pressures

Mortgage Originator position levels (I or II) are determined based on assigned sales goals.

Education and Training: Requires High School diploma. Previous related mortgage lending or operations experience is preferred. Previous sales experience is preferred.

Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act(\"SAFE Act\"), all Mortgage Originators are required to maintain current registration with the Nationwide Mortgage Licensing System & Registry(\"NMLS\"). If such registration is not active as of the hire date, the Mortgage Originator must immediately attain active registration upon employment. Mortgage Originators who fail to maintain an active and current registration will be unable to originate mortgage loans and may be subject to disciplinary action, up to and including termination of employment.

Requires knowledge of Microsoft Office.

Benefits and Compensation

Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

(Base Pay Range: $53,000 - $67,000 annually)

Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come are important to us.

Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program.

In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts.

Visit Busey Total Rewards for more information.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence.

Busey is an Equal Opportunity Employer including Disability/Vets.

Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment.

Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment.

Unsolicited Resumes

Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies(\"Agency\"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings(\"Agreement\"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

Locations

Busey offers diverse employment opportunities - both remote and onsite in Arizona, Colorado, Florida, Illinois, Indiana, Kansas, Missouri, New Mexico, Oklahoma and Texas. We strive to place talent applicants in positions that fit both their skillset and career goals. As part of Team Busey, we promise to provide challenges that both drive your career progression and allow opportunities for growth!

Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering extraordinary excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment.

Every day, our associates live Busey's core values, doing better business, building stronger relationships and creating thriving communities-while delivering meaningful value to shareholders.