Mortgage Originator (MLO)

Mortgage Originator (MLO)

Job Category: Retail Banking Requisition Number: MORTG001971

Posted: June 3, 2026

Full-Time

Gunbarrel Branch 1834 Gunbarrel Rd Chattanooga, TN 37421, USA

Travel Required: Yes

Job Details

Description

Job Summary

The position of Mortgage Loan Originator is primarily responsible for providing service to customers and prospective customers seeking Residential loans.

Role and Responsibilities

• Originating a high volume of mortgage loans ($12 million or more annually) and developing business contacts by soliciting outside contacts such as realtors, builders, attorneys, etc.
• Interviewing applicants and analyzing customer's financial status and earnings to determine most appropriate mortgage loan program.
• Analyzing more complex personal, partnership, and corporate tax returns, including attached schedules.
• Making preliminary determination of applicant's credit worthiness.
• Calling on key existing and prospective customers, realtors and builders to establish relationships for loan referrals.
• Providing advice and service to applicants requesting mortgage loan information.
• Representing the bank in the community and at real estate industry functions to identify, develop and promote additional business.
• Regular and predictable attendance.

Qualifications

• High school diploma or equivalent plus additional training equal to two years of college, or comparable work experience.
• 2+ years of residential lending experience.
• Bilingual preferred.
• Excellent interpersonal, written and verbal communication skills.
• Strong presentation skills and ability to conduct seminars for business development and outreach.
• Ability to interact with customers in a professional manner to provide exceptional customer service.
• Ability to effectively use applicable software.
• Familiarity with all of the bank's products and services as well as basic Fannie Mae and Freddie Mac guidelines

Preferred Skills/Competencies

Maintains a working understanding of, and complies with, applicable banking regulations as well as internal policies and procedures.

Travel Required

Yes . >25%

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.