Lakeland Bank is seeking a talented Mortgage Loan Originator (MLO) to join our team. We have opportunities throughout different markets in New Jersey. In this role you will possess an established network of referral business, call on existing clients and business customers as well as "cold call" to acquire new business. You will pro-actively identify and pursue leads or potential customers to whom you may sell the Bank's mortgage products to meet established loan quality and production goals. You will also continuously identify, develop and maintain a quality network of business relationships (i.e.: Realtors, attorneys, builders, financial consultants, etc.) that will serve as recurring sources of referrals for new mortgage lending opportunities. You will be responsible for responding to customer inquiries and referrals generated from your own, as well as Bank business channels. You will conduct interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, and gather any additional required information. You will deliver exceptional customer service by maintaining a thorough knowledge of Bank lending programs and procedures, demonstrating commitment to professional ethics, and adhering to all Federal, State and Bank compliance policies while maintaining a professional, courteous demeanor at all times with clients, referral network and Bank staff, promoting the Bank and generating good will.
Competitive compensation plan with a base salary
Exceptional corporate culture with a work environment that is supportive and caring, and promotes open communication
A business model that allows our MLO's to do what they do best... SELL!
Comprehensive benefit packages to choose from based on your needs, including medical, dental, vision, HSA and FSA plans, as well as fitness and wellness programs
Company paid life, AD&D and LTD insurances as well as supplemental coverages you can select for yourself and your dependents
401(k) Plan with a Company match
Company paid professional certification and educational reimbursement
Opportunities to give back to the communities we serve through Company-sponsored events.
You'll be expected to (in addition to above)
Conduct regular sales calls and meet with clients
Take loan applications by phone, in person and via fax or e-mail
Provide timely an accurate entry of data into Encompass system
Submit new loan packages for processing and credit decisioning
Provide appropriate, proactive, timely follow-up, calling or meeting with borrowers as necessary from processing through loan closing
Attend meetings as necessary
Provide outside "Call Reports" as required or requested.
Ability to begin producing loans from the start from current client based
Well-organized, able to prioritize, multi-task and work well independently and under pressure, meeting multiple and sometimes conflicting deadlines.
Ability to communicate professionally with internal and external clients.
Strong interpersonal skills, ability to communicate clearly and appropriately across a variety of audiences.
Demonstrated ability to analyze and comprehend financial data to provide financial alternatives.
Willing and able to abide by all applicable regulatory and department practices and procedures.
Minimum of 3 years previous residential mortgage lending experience, including generating self-sourced business and expertise with conforming and non-conforming loans, conventional and FHA loans.
Compliance knowledge to include ATR/QM and TRID
Working knowledge of Encompass preferred
Must be registered (if currently employed in an MLO capacity) or eligible upon hire to be federally registered with the NMLS.
Must be bondable.
All Lakeland Bank employees must be bondable. FBI background checks are required to confirm eligibility for bonding. Note: A guilty plea or criminal conviction will not necessarily preclude employment at Lakeland Bank.
Lakeland Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, genetic information, national origin, disability, protected veteran status or any other characteristic protected by law.
A home office is a plus