Mortgage Loan Advisor

Classification: Non-Exempt

Salary Grade: 6

Reports To: Director of Mortgage

Date: May 2026

Division: Mortgage Production

Department: Mortgage Production

Our Mission:

Community Bank partners with individuals, businesses, and communities to realize their dreams, protect their financial futures and improve their lives.

Our Core Values:

At Community Bank, we are committed to fostering a workplace that reflects our core values. We believe in:

Taking Care of Each Other.
Always Doing the Right Thing.
Being a Great Teammate.
Working Hard to Achieve Our Goals.
Giving and Expecting Mutual Respect.
Enjoying Life Every Day.
Being Positive.
Having a Sense of Urgency.

Summary/Objective:

The Mortgage Loan Advisor is responsible for generating residential mortgage loan production through strategic prospecting, relationship cultivation, and consultative sales practices. This role guides clients through the mortgage application process, evaluating their financial profiles, and recommending appropriate loan products, while ensuring adherence to regulatory requirements and Bank policies. The Mortgage Loan Advisor orders appraisals, credit reports, and reference checks; packages loans; outlines loan terms and conditions; and informs prospective borrower of loan commitment. This position conducts closings with buyers, sellers, real estate agents, attorneys, and others.

Most of the compensation for this role is based on volume.

Essential Functions:

Guide applicants through the loan application process, ensuring all required documentation is obtained and meets regulatory requirements and bank policies.
Collect and analyze financial and credit information to assess loan eligibility and recommend appropriate mortgage products.
Cultivate and maintain strong, trust-based relationships with a diverse network of clients, realtors, builders, financial advisors, and other referral sources to drive consistent mortgage application volume and long-term business growth.
Actively prospect new clients through networking events, community involvement, and marketing initiatives.
Provide exceptional service throughout the loan process that reflects the Bank’s values, ensuring client satisfaction, referrals, and repeat business.
Collaborate with underwriting, processing, and closing teams to ensure timely and accurate loan fulfillment.
Meet or exceed established monthly and annual loan origination goals by proactively managing a robust pipeline of prospective borrowers and referral sources.
Maintain accurate and timely records of all sales activities, client interactions, and loan pipeline status using the Bank’s customer relationship management (CRM) and loan origination systems.
Prepare and present performance reports to management, highlighting progress toward goals, conversion rates, and opportunities for improvement.
Counsel mortgage loan delinquent customers.
Identify and implement process improvements to enhance operational efficiencies and risk mitigation.
Comply with employment, government, regulatory, and Bank policies and procedures.

Other Duties:

Perform other duties assigned, in support of departmental goals and organizational priorities.

Education and Experience:

Minimum of associate ’s degree in business, finance, or related field required; bachelor’s degree or equivalent preferred.
Minimum of two years of experience in mortgage lending required.
Registration with Nationwide Multistate Licensing System (NMLS) required.

Key Competencies:

Requisite – Requires intermediate expertise, supported by intermediate experience or technical training.
Authority – Operates within a structured framework with limited decision-making autonomy, primarily executing tasks in alignment with established policies and directives. Responsibilities focus on supporting operational functions.
Analytical – Requires strong analytical skills and decisive thinking. While established procedures are in place, the role demands the ability to apply ingenuity and sound judgment to navigate within guidelines and make moderate-level decisions.
Supervision – Operates in an independent capacity, focusing on executing assigned tasks without direct supervisory responsibilities. While collaboration with colleagues and departments is essential, the position does not involve overseeing staff or managing personnel.
Interpersonal Relations/Customer Service – Demands exceptional people skills at the highest level within the organization, with performance relying on the effective application of these critical abilities.
Ethics/Integrity – Possesses a comprehensive understanding of industry best practices, professional behaviors, and the applicable laws, rules, and regulations that govern ethical business conduct. Consistently upholds the highest standards of integrity, demonstrating unwavering commitment to fairness, compliance, and respect in all interactions. Fosters a workplace culture rooted in professionalism, accountability, and ethical decision-making.
Adaptability – Knowledge of successful approaches, tools, and techniques to seamlessly transition processes, optimize workflows, and foster resilience in evolving environments.
Productivity – Manages workload effectively, ensuring tasks are prioritized and executed with efficiency. Maintains a purposeful approach, consistently meeting goals and objectives while optimizing resources and time management.
Quality - Identifies opportunities for improvement and delivers high-quality outcomes within established deadlines.

Knowledge and Performance Expectations:

Strong knowledge of mortgage products and regulatory requirements.
Complete understanding of mortgage programs and agency requirements.
Excellent communication, interpersonal, and negotiation skills.
Proficiency in mortgage origination systems and Microsoft Office Suite.
Comfort with working in a dynamic environment where priorities can shift quickly.
Ability to work both independently and collaboratively with colleagues across various departments maintaining a professional demeanor.

Efficiently perform the essential duties and responsibilities of the position.
Consistently attend work, meetings, and required training or staff events.

Work Environment and Physical Demands:

The work environment is typically a professional office setting within a financial institution, which may include branch locations, administrative offices, and client-facing areas. Employees are expected to maintain a high level of professionalism and confidentiality in accordance with banking regulations and company policies.

Work is generally performed indoors in a climate-controlled environment with standard office equipment such as computers, telephones, printers, and copiers.

Physical demands of the position may include, but are not limited to:

Prolonged periods of sitting or standing at a workstation or services counter.
Manual dexterity and fine motor skills for operating computers, handling documents, and using standard office equipment.
Routine walking within the office or branch to attend meetings, assist clients, or perform job-related tasks.
Visual acuity to read printed materials, review electronic documents, and perform detailed work.
Auditory ability to regularly communicate effectively in person and over the phone.
Sustained concentration and attention to detail are critical for performing analytical tasks and ensuring accuracy.
Occasional physical movements such as standing, reaching, bending, and twisting may be necessary.
Light lifting, up to 10 pounds, may be required to transport files, office supplies, or small equipment.

Accommodation:

The work environment and physical demands described provide a detailed representation of what employees might encounter in the workplace while performing the essential duties of the job. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform essential job functions.

Work Schedule and Availability:

The Bank maintains a standard 40-hour work week to ensure operational consistency and employee engagement. While some schedule flexibility is required based on location assignments, availability during core business hours (8:00 a.m. to 5:00 p.m.) is essential for supporting key functions.

Occasional after-hours work may be required to accommodate client needs and participate in community events that promote the Bank’s visibility.

Travel Requirements:

Moderate travel is required to other branch locations or offsite venues for training, meetings, or operational support. Travel is typically planned.

EEO Statement:

Community Bank is an equal employment opportunity employer.

Learn more about this Employer on their Career Site