Mortgage Loan Originator

Mortgage Loan Originator

Luminate Bank® is more than a bank—we're Banking Brighter® by making financial success simple, accessible, and rewarding. Whether you're purchasing a home, growing your savings, or planning for long-term stability, we offer expert guidance and personalized solutions to illuminate your path. Our seamless digital banking, tailored lending options, and wealth-building strategies empower you to take control of your financial future. With competitive rates, clear insights, and a customer-first approach, we help you make informed decisions with confidence. No matter where you are in your journey, Luminate Bank® is here to support you every step of the way.

Position Overview

We are seeking a knowledgeable and customer-focused Mortgage Loan Originator to join our team. The Mortgage Loan Originator will be responsible for guiding clients through the mortgage loan process, from application to closing, while ensuring compliance with all regulatory and institutional policies. The ideal candidate will have a strong background in mortgage lending, excellent communication skills, and a commitment to providing superior customer service.

Responsibilities and Duties

• Originate residential mortgage loans by developing and maintaining relationships with real estate agents, builders, and other referral sources.
• Assist clients in selecting the best mortgage product based on their financial situation and goals.
• Guide clients through the mortgage application process, including completing loan applications and gathering necessary documentation.
• Analyze applicant financial status, credit, and property evaluations to determine loan feasibility.
• Present loan options and explain terms and conditions to clients in a clear and understandable way.
• Ensure all loans meet underwriting guidelines and comply with state and federal regulations.
• Communicate with underwriters, processors, and other parties to ensure timely loan approvals and closings.
• Keep current with market trends, loan products, and changes in mortgage regulations.
• Meet established sales goals and maintain high customer satisfaction ratings.

Qualifications and Skills

• High school diploma or equivalent; bachelor's degree in finance, business, or related field preferred.
• Proven experience as a Mortgage Loan Officer, Loan Originator, or similar role.
• Valid NMLS (Nationwide Mortgage Licensing System) license.
• Knowledge of loan origination systems (LOS) and mortgage lending guidelines (e.g., FHA, VA, USDA, and conventional loans).
• Strong understanding of financial documentation and credit analysis.
• Excellent interpersonal, communication, and sales skills.
• Ability to work independently and manage time effectively.
• High level of integrity and strong ethical standards.

Benefits

• Competitive compensation reliant on ability and experience
• Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision
• Life and AD&D Insurance, as well as additional voluntary benefit possibilities
• 401K with robust company match
• Flexible PTO program
• Earned Sick & Safe Time (ESST)
• The opportunity to work for the Midwest's fastest growing lender

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.