Mortgage Loan Officer

United Bank • Parkersburg, WV • 8h ago

United Bank

United Bank is an Equal Opportunity employer. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status, gender identity, or any other protected Federal, State/Province or Local status unrelated to the performance of the work involved.

Mortgage Loan Officer Date: Jun 15, 2026 Location: Parkersburg, WV, US, 26101 Company: United Bank Job Description JOB SUMMARY: The Mortgage Loan Originator (MLO) originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loans products to our customers and enhancing the bank's fee-based income. The MLO is to develop referral relationships with realtors, builders, bankers, and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including Bank's Affordable Housing Loan Program. RESPONSIBILITIES: Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs. Interview applicants and requests specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property. Analyze information provided by the customer and identifies customer needs and recommends the appropriate Bank product offerings and options. Advise customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals. Communicate with or interviews applicants or creditors to resolve questions regarding application information. Remain primary contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process. Analyze potential loan markets to develop prospects for loans. Develop new business from multiple sources while retaining existing business. Develop and maintain working relationships with realtors, builders and other strategic referral partners. Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions. Cross sell other Bank products to clients as the opportunity arises. Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program. Submits complete loan packages for processing and final underwriting approval. Maintains the ability to pre-qualify clients at initial meeting. Works to coordinate efforts to increase loan production. Based on the location within a market, may be required to promote/discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures.

Qualifications SKILLS/QUALIFICATIONS: Bachelor's degree or three (3) years of direct related experience or equivalent combination of education and experience required. Proficiency in Microsoft Office Products Must have working knowledge of underwriting guidelines and other related regulations Strong sales environment demeanor Account Management and customer service focused Strong attention to detail and ability to multi-task Excellent verbal and written communications skills in Spanish or additional language a plus. Ability to identify potential banking opportunities and comfortable work with prospective clients Demonstrated strong public speaking ability Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval Ability to obtain strong product knowledge Ability to travel frequently off-siEqual employment opportunity, including veterans and individuals with disabilities

Apply Here: https://www.click2apply.net/rzK7AEc7Amdm7Hzx7uzX4D

PI285322093

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