Carter Bank · 3 weeks ago
Mortgage Loan Originator
Fredericksburg, VA
Full-time
Onsite
Mid LevelCarter Bank is seeking a Mortgage Loan Originator (MLO) responsible for soliciting, structuring, and closing 1-4 family real estate loans while developing new mortgage loan business. The MLO will collaborate with bank branches, build an external network of referral partners, and ensure borrowers receive a quality origination experience.
BankingCredit CardsFinanceFinancial Services
Responsibilities
Source and develop loans for residential real estate and new construction lending, both internally and externally
Collaborate with bank Branch Managers to establish a referral plan and system
Conduct regular training, share best practices and successes
Conducts loan interview with borrowers to understand their needs and match suitable loan solutions
Take applications, collect documentation and run ratio and other calculations
Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner
Submit complete loan files to underwriting
Maximize bank profitability through appropriate pricing of new loan originations and fee income
Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured
Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge
Build and maintain positive relations with all customers, potential customers and co-workers
Perform as a team member in allocating and coordinating the work flow
Contribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers
Comply with all department and company policies, procedures and regulations
Qualification
Required
High school diploma or equivalence required
Must have prior mortgage origination experience
Must be goal oriented and able to meet loan production objectives
Able to maintain NMLS registration and /or licensing status
Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review
Knowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs
Knowledge of the appraisal process, title insurance process, and loan closing process
Proven credit analysis skills
Knowledge of state and federal lending and compliance regulations and bank lending policies
Excellent organization and time management skills
Experience with originating loans using Loan Origination Systems
Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values
Excellent customer service skills, attentiveness, and information retention
Must be a proficient communicator and listener, as well as strong organizational skills
Must possess excellent relationship-building and sales skills
Standing, walking, bending and stooping required
Must be able to sit at a desk for long periods of time and use a computer
Must be able to occasionally move or lift up to 10 pounds
May be asked to work supplemental hours periodically
Limited travel required occasionally during and after business hours
Company
Carter Bank
Carter Bank is a community bank that offers loans, credit cards, personal, and business banking services.
Founded in 1974
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Rich Spiker
Senior Executive Vice President, Chief Lending Officer
Tony Kallsen
Senior Executive Vice President & Chief Credit Officer
Recent News
2025-12-10
UPSTATE BUSINESS JOURNAL
2025-11-23
2025-11-21
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