Mortgage Loan Originator

Job Description

Location: Wilmington, Delaware

Employment Type: Full-Time

Division: Mortgage Loan Division

Reports To: Residential & Consumer Lending Sales Manager

About the Position

As a Mortgage Loan Originator, you will grow residential mortgage business through referral relationships, community engagement, and personalized service, helping customers identify lending solutions aligned with their financial goals.

As the primary point of contact throughout the residential mortgage lending process, you will guide borrowers through closing while delivering exceptional service and maintaining compliance with the Bank’s lending standards and applicable regulatory requirements.

This position is well suited for a self-motivated professional who enjoys developing new business, fostering long-term relationships, and achieving production goals in a collaborative community banking environment.

What You’ll Do

As the Mortgage Loan Originator, you will:

Develop new residential mortgage business through referrals, networking, and community involvement.

• Develop and maintain relationships with real estate professionals, builders, and other referral partners.
• Achieve established production goals while maintaining exceptional customer service, loan quality, and regulatory compliance.
• Originate residential mortgage loans, including conventional, FHA, VA, portfolio, and home equity products.
• Meet with prospective customers to assess financial needs and recommend appropriate mortgage and home equity lending solutions.
• Clearly explain loan products, terms, and conditions to help customers make informed financial decisions.
• Gather and submit complete and accurate documentation to support loan applications.
• Maintain ownership of the customer relationship by proactively addressing issues that may impact the mortgage process, timelines, or outcomes.
• Partner with team members across the Bank to identify opportunities to deepen customer relationships by addressing customers’ broader financial needs.  
• Maintain a strong working knowledge of mortgage products, lending guidelines, regulatory requirements, interest rates, and local market trends.
• Adhere to Bank policies, complete required training, and promptly communicate potential operational, audit, or compliance concerns.

What You’ll Bring

Education

High school diploma or GED required; associate’s or bachelor’s degree preferred

Experience

• Minimum of three years of residential mortgage lending experience or an equivalent combination of education and experience.
• Demonstrated success originating residential mortgage loans, cultivating referral relationships, and generating new business.

Licensure

Active Nationwide Multistate Licensing System (NMLS) registration/licensure in good standing.

Skills & Abilities

• Strong knowledge of mortgage products, lending procedures, and applicable regulatory requirements.
• Ability to analyze financial information and assess creditworthiness while exercising sound judgment.
• Proven ability to develop new business through referrals, networking, community engagement, and relationship building.
• Excellent written, verbal, interpersonal, and customer service skills.
• Strong organizational, time management, and problem-solving skills with the ability to manage multiple priorities while maintaining accuracy, responsiveness, and attention to detail.
• Proficiency with mortgage loan origination software and Microsoft Office applications.
• Ability and willingness to travel throughout the Bank’s market area to meet with customers and support business development activities.

Working Conditions

Physical Demands & Work Environment – the physical capabilities and environmental conditions described here are representative of those an employee encounters while performing the essential functions of this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Physical Activity: Primarily sedentary with prolonged sitting; occasional standing and walking. Frequent use of hands and fingers to operate standard office equipment, prepare documentation, and perform repetitive keyboarding. Frequent verbal communication and active listening.
• Lifting: Occasionally lifts or moves up to 10 pounds.
• Vision & Hearing: Requires close and distance vision; ability to communicate effectively in person and by telephone.
• Environment: Primarily performed in a professional office setting with moderate noise level.

Why Join Artisans’ Bank?

Artisans’ Bank is an independent community bank committed to serving our customers and communities through strong relationships, sound banking practices, and thoughtful decision-making. We value professionals who bring expertise, integrity, initiative, and a collaborative approach to their work. We foster a relationship-driven culture where contributions are recognized, professional growth is supported, and team members can make a meaningful impact.

Compensation

This position is compensated through a recoverable draw and commission structure, with earnings based on individual production.

Benefits

We offer a comprehensive benefits package, including medical, dental, and vision coverage, retirement savings, paid time off, education assistance, and other valuable employee benefits.

Equal Opportunity Employer

Artisans’ Bank provides equal employment opportunities to all employees and applicants, regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, age, or any other category protected by law.