Mortgage Loan Originator

Loudon, TN

Full Time

Experienced

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a Mortgage Loan Originator to work alongside their team in Loudon, Tennessee.

POSITION SUMMARY

The Mortgage Loan Originator markets and originates qualified rural residential and lifestyle loans. Develops business development strategies that target potential Association customers and other influencers that may be a source of referrals for qualified residential and lifestyle loans. Maintains effective supervision of loans through sound loan administration to ensure Association position. Markets the Association by being a source of referrals for other lending segments of the Association.

PRIMARY WORK LOCATION

Loudon, Tennessee

REPORTS TO

Country Mortgage Manager

SUPERVISORY RESPONSIBILITIES

None

MINIMUM EDUCATION AND EXPERIENCE

Two years of post-secondary education and at least two years of related experience, preferably in the lending or legal field.
Four or more years of professional experience in lending, financial services, or real estate preferred.
Demonstrated understanding of mortgage loan origination, documentation, and compliance standards.
Experience working directly with borrowers, title companies, appraisers, and other professionals in the loan process.

PREFERRED QUALIFICATIONS

Skilled in networking, generating leads, and developing new business through proactive relationship management.
Knowledge of laws, regulations, and credit practices in the Farm Credit System and the Association, with an emphasis on consumer lending.
Strong understanding of residential and lifestyle loan products, including construction, refinance, and rural housing programs.
Experience using mortgage or loan origination systems (LOS) and other financial software tools.
Ability to analyze borrower financials and assess creditworthiness accurately and efficiently.
Exceptional communication and customer service skills with the ability to build rapport and trust with borrowers and referral partners.
Demonstrated ability to manage multiple loan files while meeting deadlines and maintaining accuracy.
Provides referrals to other lending segments and promotes full-service Association products.
High level of professionalism, integrity, and attention to detail
Team-oriented mindset with the ability to work independently under minimal supervision.

MINIMUM POSITION RESPONSIBILITIES

Develop and implement a marketing plan for residential and lifestyle loan products that meets Association volume and income goals.
Perform active business development, networking, and public relations activities to promote Association products and services.
Engage in planned marketing activities designed to stimulate loan demand, expand market penetration, and enhance Association name recognition.
Participate in community and public-relations events to increase exposure in the target market.
Collaborate with the Sales Manager to remain within the established marketing budget.
Originate and administer loans in a sound, constructive manner in accordance with Farm Credit System and Association regulations.
Ensure all loan decisions are supported by accurate, well-documented facts and analysis.
Prepare and deliver complete loan packages promptly to facilitate efficient processing and compliance.
Maintain effective supervision of loans to protect the Association’s financial position.
Achieve an average processing time of fewer than 55 days from application to closing.
Ensure loan pricing achieves maximum gross profit, consistent with market conditions and area characteristics.

BENEFITS OF WORKING WITH US

Competitive Salary
Performance Based Bonus (Incentive Pay)
Generous PTO (Vacation and Sick Time) and 12 Paid Holidays
Medical, Dental, and Vision Insurance
401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
Company Provided Life Insurance and Disability Coverage

QUESTIONS?

Send us an email at [email protected] and we'll be happy to assist you!

We are an Equal Opportunity Employer and prohibit discrimination and harassment of any kind. Our company is committed to the principle of equal employment opportunity for all employees and applicants, providing everyone with a work environment free of discrimination and harassment. All employment decisions within our organization are based on business needs, job requirements and individual qualifications, without regard to age, race, color, religion, sex, gender, gender identity, sexual orientation, national origin, disability, veteran status, or any other status protected by the laws or regulations in the locations where we operate. We will not tolerate discrimination or harassment based on any of these characteristics.

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Do you currently live in Loudon, Tennessee, or within a reasonable daily commuting distance?*

Do you have at least two years of post-secondary education (college, technical school, or equivalent)?*

Do you hold a bachelor's degree in Finance, Business, Agriculture, Accounting, Economics, or a related field?*

Do you currently hold an active NMLS license or are you willing to obtain/renew one?*

How many years of experience do you have in mortgage loan origination?*

Have you originated rural, lifestyle, or country home loans before?*

Have you worked directly with title companies, appraisers, surveyors, and realtors during loan processing?*

Do you have experience preparing complete and compliant loan packages for underwriting?*

How many years of experience do you have in agricultural, farm, land, or equipment lending?*

Have you worked directly with farmers, agricultural producers, or rural farm families?*

Do you have an understanding of agricultural operations, rural property, or farm financials?*

Have you worked with mortgage or loan origination software (such as Encompass, Calyx, Jack Henry, or others)?*

Do you have experience marketing mortgage loan products or financial services in a local market?*

The compensation structure for this position includes both a base salary and performance-based incentive pay. What is the minimum gross annual compensation you need to consider this position?*

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