Mortgage Loan Originator

Peoples Security Bank & Trust Company seeks a Mortgage Loan Originator to develop and grow residential mortgage business in our community markets. This role is responsible for generating and managing a pipeline of mortgage applications, guiding borrowers from pre-qualification through closing. You will build and maintain strong relationships with customers, realtors, builders, and internal partners, providing personalized guidance on mortgage products.

The position requires strong knowledge of mortgage regulations, underwriting basics, and documentation, with a focus on integrity, compliance, and exceptional local service.

Responsibilities

• Source and develop residential mortgage loan business within assigned markets
• Consult with customers to assess needs and recommend appropriate mortgage products
• Pre-qualify and assist borrowers with mortgage applications and required documentation
• Coordinate with underwriting, processing, and closing teams to move loans through pipeline
• Ensure compliance with lending regulations, bank policies, and investor guidelines
• Build and maintain relationships with realtors, builders, and community partners
• Provide clear, timely communication to borrowers throughout the loan process
• Track and meet individual production goals while managing a quality pipeline
• Participate in community and networking events to generate referrals
• Maintain accurate records and use bank systems/CRM to manage leads and loans

Required Skills

• Mortgage origination
• Sales and business development
• Customer relationship management
• Loan structuring and pricing
• Knowledge of mortgage regulations (TRID, RESPA, TILA)
• Credit analysis fundamentals
• Document and file review
• Mortgage LOS software
• CRM and pipeline management
• Communication and negotiation