Mortgage Loan Originator

Welcome to the Main Street Bank! We are currently seeking to add a dynamic new Mortgage Loan Originator to our growing Wheeling, WV market area! Main Street Bank offers a competitive base + commission pay structure, excellent benefits, and the opportunity to work for a growing Community Bank. At Main Street, we pride ourselves on best-in-class customer service, outstanding technology and back-office support for our lenders and customers, and a commitment to serving our local communities, businesses and customers.

Main Street Bank:
Local Banking. Lasting Relationships.

The Mortgage Loan Originator (MLO) proactively solicits residential mortgage business and sells in-house and secondary market mortgage products to meet established production goals. They will continually identify, develop and maintain a network of real estate professionals that serve as a recurring source of referrals for new mortgage lending opportunities. The MLO responds to member inquiries and referrals that can come from Bank employees or from their own referral sources.

The MLO should provide excellent customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA.

• Develop referral relationships through marketing, prospecting and networking activities
• Participate in events that promote home ownership
• Meet with prospective members and review/analyze credit and financial data provided
• Determine the members financing and objective goals
• Explain guidelines for in-house and secondary market products so the member can make an informed choice of the product that best suits their needs
• Discuss pricing options and lock the members interest rates as directed by the member
• Collect supporting documentation as required and provide complete package
• Work with Processors, and Closer to ensure all conditions are met to obtain a clear to close and all the way through closing
• Attend as many loan closings as possible to ensure member satisfaction throughout
• Complete all required Bank compliance training in a timely manner
• Maintain thorough knowledge of lending programs, policies and procedures
• Perform all job functions in accordance to Bank policies and procedures
• Regular and predictable attendance
• Other duties as assigned

One to three years’ experience and/or training in sales and/or credit analysis; or equivalent combination of education and experience.

• Bachelor’s degree (B.
  
  A.) from four-year college or university; or minimum two years related experience and/or training; or equivalent combination of education and experience.
• To perform this job successfully, an individual should have knowledge of Database software; internet software;
  Spreadsheet software and Word Processing software.

Active NMLS registration

Wayne Savings Community Bank