Mortgage Loan Originator

Company: State Bank Financial
Location: Sparta
Posted on: January 16, 2026

Job Description:

Job Description Job Description State Bank Financial is seeking a proactive Mortgage Loan Originator who’s ready to take initiative, build strong client relationships, and drive results in a competitive market. Success in this role is rewarded – your earnings will reflect the energy and determination you invest. In this role, you’ll guide borrowers through the mortgage process with confidence and care, while growing your business through strategic networking and community engagement. With the right mindset and motivation, your potential here is limitless. Position Summary The Mortgage Loan Originator is responsible for providing a high level of customer service in the origination of consumer home mortgage loans. The MLO is also responsible for structuring, underwriting, and closing real estate loans as well as developing a strong referral network in developing new business. The MLO also represents the bank in the community through active involvement in community affairs and participates in the marketing of all the bank’s products and services. The MLO also ensures all documentation is complete, accurate, timely, and understands and completes the job responsibilities in accordance with federal and state compliance regulations. Ensures the highest level of customer satisfaction according to our Culture of CARE . Essential Job Functions Solicit and develop loans for all aspects of our markets including but not limited to: residential real estate, and new construction. Originate and pre-qualify customers for mortgage loans by conducting an interview to obtain pertinent financial information, analyzing the financial data and counseling the customer on the appropriate mortgage funding options and other retail products. Develop a continuous pipeline of loans through internal and external sources by actively working with the commercial, retail, and investment areas. Maximize bank profitability through appropriate pricing of new loan originations and fee income while meeting loan policy guidelines. Conduct business development activities which includes establishing relationships with real estate brokers and builders. Work with the Director of Retail Banking and Director of Marketing to develop and utilize successful marketing strategies. Work with the loan operations team to ensure all pertinent account documentation has been accurately prepared, processed, dispersed, and collateral has been properly secured. Assists in contacting real estate customers for missing documentation Participates and attends loan closings at title company or conducts the closing of refinances in the bank. Additional Duties and Responsibilities Maintains knowledge of all bank products and services Updates knowledge and develops professionally on a continuous basis both internally and externally to stay on top of industry trends, developments, and changes in regulatory law. Represents the bank in various business and community organizations and events. Other job-related duties may be necessary to carry out the responsibilities of this position Software/Technology Operates a personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet / intranet, and other bank specific software. Utilizes a variety of office equipment including computer printer, calculator, fax/scanner/copier, and multi-line telephone. Education and Experience Three-plus years of prior mortgage lending experience required, and high school diploma required; bachelor’s or associate degree preferred. Must have NMLS certification, or ability to be certified. Valid driver’s license required. Must have the ability to deal effectively with time pressures and stress that can change hourly depending on level of customer activity Other Skills and Abilities Ability to apply knowledge in policy and procedure development. Ability to maintain the integrity of highly confidential customer and Bank information. Excellent verbal and written communications skills and strong mathematical skills. Must possess technical ability to input and retrieve computerized information Competencies Respect & Community according to our Culture of CARE : Establishes and maintains respectful and cooperative working relationships. Demonstrates respect for individuals in all forms of communication. Supports team and bank goals and objectives. Demonstrates respect for a positive, diverse work environment and bank community. Handles interpersonal conflicts constructively. Focus on Results: Sets goals in alignment with team and bank priorities Organizes work to achieve goals Identifies and solves problems Achieves targeted results Accepts responsibility for own actions Interpersonal Skills: Builds strong relationships Is flexible/adaptable Works well with others Solicits feedback Quality Service: Listens carefully and responds to customer requests and problems Delivers friendly, courteous service to internal and external customers Demonstrates a commitment to increasing customer satisfaction Looks for and makes continuous improvements Performs with accuracy thoroughness and effectiveness Sales Skill: Understands marketplace Works to meet prospect/customer needs Effective closing technique Culture of CARE C ommunicatio n: Shares information, expresses ideas so they are understood, listens actively to information presented by others, keeps all parties informed A ssociate Experience : Associate regularly treats co-associates with R espect and I ntegrity, is a C hampion of excellence in their work, and has an attitude of H umility ( RICH). R ecognition & Development : Seeks new challenges and increased responsibility, seeks and participates in learning and development opportunities, recognizes co-associates for their contributions. Customer E xperience : We gain insights into our customer needs by identifying opportunities; build and/or deliver solutions that meet or exceed customer expectations; establish and maintain customer relationship. Working Conditions Work is performed largely in an office environment, during normal business hours. Deadline pressure is an integral part of the job. Regular mental and visual concentration for computer usage and reading/assimilating complex and technical compliance information is required. Position will alternate between walking, sitting, standing, stooping, bending, and occasional lifting up to 15 pounds of office supplies and/or documents throughout work shift. Employees with disabilities must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the “essential functions” of the position, with or without reasonable accommodation. Acknowledgement: I understand that this job description describes the general nature and level of work performed by associates assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job and does not create an employment contract. I also understand that I may be required to perform other job-related duties as requested by Management. All requirements are subject to change over time, within management’s sole discretion, and to possible modification to reasonably accommodate individuals with a disability. State Bank Financial is an equal opportunity employer of individuals with disabilities and protected veterans.

Keywords: State Bank Financial, Rochester , Mortgage Loan Originator, Accounting, Auditing , Sparta, Minnesota