Mortgage Servicing Professional

Mortgage Loan Officer
Mortgage Loan Originator
Corporate Values & Mission: "Provide superior service, quality advice and show our utmost respect to everyone we meet."
The Outside Sales Mortgage Loan Originator is responsible for generating residential mortgage loan business through proactive sales activities conducted primarily outside the employer's place of business. This role focuses on building relationships, meeting clients in person, and guiding them through the mortgage process while ensuring compliance with all regulatory and company standards.
Reports To: Mortgage Sales Manager
Identify, develop, and maintain relationships with prospective borrowers through networking, referrals, and community engagement.
Actively solicit mortgage loan applications by meeting clients at their homes, workplaces, or other locations outside the employer's office.
Conduct in-person meetings to explain mortgage products, terms, and conditions tailored to client needs.
Collect and review financial documentation, including income, employment history, assets, and credit reports.
Accept mortgage loan applications according to policies, procedures, and guidelines established by ChoiceOne Bank, regulatory agencies, and other appropriate entities.
Obtain signed applications and agreements for mortgage loans.
Provide exceptional customer service to ensure a smooth closing experience.
Continually review journals, articles, publications, and other material to review regulatory and legal changes pertinent to mortgage lending to ensure that all policies and procedures comply with all applicable laws and regulations.
Develop partnerships with commercial, consumer, investment, and insurance divisions.
Involvement in marketing of products, services, and promotions related to mortgage loan campaigns and marketing efforts of the organization.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
General Accounting knowledge
Ability to perform minimal data entry
High School Diploma or equivalent
Bachelor's Degree in business-related major preferred
Five (5) to seven (7) years of progressively more responsible job-related experience to be familiar with all lending functions and regulatory requirements
NMLS Registration

Written and Oral Communication – Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Quality – Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
collects and researches data; uses intuition and experience to complement data.
pursues training and development opportunities; takes independent actions and calculated risks; asks for and offers help when needed.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Ability to work in an office environment which may include many hours of computer and telephone usage.
This position is remote-eligible on a full-time basis.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.