Purchase Referral Loan Officer

🕒 4 days ago

🐊 Florida, Illinois, +2 more states – Remote

🐊 Florida – Remote 🌽 Illinois – Remote 🏈 Ohio – Remote 🔔 Pennsylvania – Remote

💵 $75k - $120k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🚫👨‍🎓 No degree required

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United Trust Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

🏦 Banking

👥 B2C

Banking • B2C

United Trust Bank is an FDIC-insured, nationally chartered bank and VA-approved lender that provides consumer mortgage lending and deposit account services. UTB specializes in home loans — including VA 100 loans, VA IRRRL (streamline) refinances, conventional cash-out and debt-consolidation loans, FHA cash-out/streamline options, and purchase mortgages — with a stated focus on serving veterans and homeowners nationwide. The bank emphasizes personalized service (assigning a licensed loan officer who stays with the borrower through closing), competitive VA rates, the ability to lend up to 100% of a home's value, and relatively fast closings (as little as 30 days).

📋 Description

• Develop and maintain relationships with referral partners to generate purchase mortgage loan opportunities. • Consult with prospective borrowers to assess financial needs and recommend appropriate mortgage solutions. • Take complete loan applications and collect required documentation. • Pre-qualify and pre-approve borrowers for mortgage financing. • Educate customers on available loan products, rates, terms, and closing costs. • Maintain regular communication with borrowers, referral partners, processors, underwriters, and closing staff throughout the loan process. • Monitor loan pipeline to ensure timely processing and closing of transactions. • Meet or exceed established production and customer service goals. • Ensure compliance with all federal, state, and company lending regulations and policies. • Stay current on mortgage products, industry trends, and market conditions. • Attend networking events and community functions to build and strengthen referral relationships. • Utilize CRM systems to manage leads, referrals, and customer communications.

🎯 Requirements

• Minimum 2 years of residential mortgage lending experience preferred. • Active NMLS license required. • Proven ability to generate mortgage business through referral-based sales. • Strong understanding of conventional, FHA, VA, USDA, and portfolio loan products. • Excellent communication, relationship-building, and customer service skills. • Strong organizational skills and attention to detail. • Ability to manage multiple loans and deadlines simultaneously. • Proficiency with mortgage origination systems and CRM platforms.

🏖️ Benefits

• Competitive base salary plus commission structure. • Leads and referral opportunities provided. • Medical, Dental, Vision, Life Insurance, and Disability coverage. • 401(k) with company match. • Paid Time Off and Company Holidays. • Ongoing training and professional development opportunities.