Mortgage Loan Originator-

Date: Nov 30, 2023

Location: Atlanta, GA, US, 30328

Company: United Bank

Job Description

he Mortgage Loan Originator (“MLO”) is responsible for generating mortgage loans by proactively reaching out to clients, real estate agents, brokers, contractors and financial advisors.  This position requires the MLOs to perform the majority of their work (estimated to be  80% or more) on sales and promotional activities outside of their office/work location by actively soliciting business, engaging in promotional and business development opportunities, meeting with clients, and attending business development events.


  • Meet or exceed sales targets by soliciting and developing business opportunities for new and existing clients
  • Proactively reach out (in person to the extent practicable) to real estate offices, subdivision sales offices, custom builders, officers of home owners associations, contractors and other potential referral sources to develop borrower leads; Calculate and distribute rate sheets to real estate offices, subdivision sales offices, custom builders, officers of home owners associations, contractors and other potential sources.
  • Meet with prospective clients in person at locations convenient to the client such as the client’s home, place of business or other locations outside the office. 
  • Initiate, promote, and actively participate in, promotional and sales activities, open houses, and social functions for the purpose of originating new mortgage loans, the majority of which will occur outside of the office.
  • Originate and participate in presentations to educate audiences on mortgage products, rates and fees.
  • Responsible for complying with the various rules, regulations, policies and ethical standards governing the financial services industry including compliance with the Bank Secrecy Act
  • Develop and implement effective sales strategies to drive sales
  • Identify new opportunities to improve sales performance
  • Maintain accurate records of leads, client accounts and sales
  • Responsible to represent the company in a professional manner at all times
  • Monitor market conditions in relation to competitors
  • Build, maintain and manage successful relationships with clients
  • Verify applications for completeness, conduct credit investigations, determine credit worthiness and debt ratio documentation for the loan sales initiated or negotiated during outside sales activities.
  • Assure loans meet all requirements set forth by the appropriate federal, state and/or regulatory agencies.
  • Remain current on changes within the legal, regulatory, economic, competitive and technology environments which may affect real estate lending.


  • High School diploma or equivalent is required.  Bachelor’s degree is highly desired.
  • Minimum of two (2) years of prior working experience in outside sales or Mortgage Loan origination is required.
  • Stay current on related regulations and laws associate with Mortgage industry
  • Strong persuasive and negotiation skills
  • Demonstrated ability to close sales and meet sales goals
  • Excellent business development skills required
  • Excellent interpersonal skills and positive demeanor required
  • Ability to work outside normal business hours frequently
  • Business Development
  • Sales Goals/Results oriented
  • Business Acumen
  • Customer Service Focused


Essential Functions: 

  • Sitting or standing for extended periods of time.
  • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
  • Ability to converse and exchange information with all levels of staff within organization.
  • Ability to observe, perceive, identify, and translate data
  • Ability to travel via air, rail, automobile and/or bus.

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.

Nearest Major Market: Atlanta

Job Segment: Real Estate, Compliance, Mortgage, Outside Sales, Law, Sales, Legal, Finance