Mortgage Loan Originator, Virtual Branch

Ready to Take Your Mortgage Career to the Next Level? Join Heritage Bank NA!

Are you a high-performing loan officer looking to double your self-sourced production? At Heritage Bank NA, we’re offering an exciting opportunity to grow your business with high-quality, unique leads and unparalleled support.

What We’re Looking For:

• You’re currently producing $10–$12 million annually in self-sourced business and are ready to add another $10–$12 million in unique lead volume. If that sounds like you, we want to talk!

Why Choose Heritage Bank NA? We’re not your average lender. Here’s what sets us apart:

• National Lending: Expand your reach with our nationwide capabilities.
• Fresh, High-Quality Leads: Daily leads with high engagement, generated by our in-house marketing team.
• White-Glove Service: Deliver exceptional experiences to your customers and referral sources.
• Remote Work Flexibility: Work from the comfort of your home.
• Dedicated Loan Officer Assistant: Focus on what you do best: closing deals.
• Employee-Owned (ESOP): Be part of a company where you have a stake in the success.

Location Requirements:

• You must reside in one of the following states: MN, SD, IA, FL, WI, MO or AR.

Position Summary:

Qualifies and originates mortgage loan applicants. Initiates compliance process with applicable standards, policies and procedures. Conducts business development.

Core Responsibilities:

• Qualifies and originates loan applicants for mortgage loan products, including first mortgages, construction loans and home equity products. Obtains necessary and pertinent financial data; conducts analysis of such. Initiates loan process compliant with all applicable standards, policy and procedures.
• Build relationships with Realtors, Builders, and other referral sources.
• Provide exceptional service to existing customers while cross-selling and referring to other departments.
• Facilitate the loan closing process.
• Work online lead shifts as assigned.

Secondary Responsibilities:

• Maintains knowledge of all real estate products, underwriting procedures and the mortgage lending industry.
• Responsible for compliance with laws and regulations applicable to this position.
• Assists retail lending department in all aspects of retail lending by referring clients or completing transactions.
• Responsible for security as it applies to this position.
• Participates in all required BSA training and demonstrates knowledge of BSA relative to job responsibilities.
• Performs other tasks as assigned.

Bank Standards

• Mission: Help people succeed financially.
• Ethics: Always do the right thing.
• Solutions: Bring innovative solutions to challenges.
• Ownership: Take accountability and learn from our mistakes.
• Positivity: Bring energy and enthusiasm to everything we do.

Compensation & Benefits

Get ready to be rewarded! This position provides an annual salary of $60K, plus the potential to boost your earnings even further with no-cap commission structure. Full-time team members enjoy a comprehensive benefits package including paid time off, paid holidays, and even paid volunteer days. We’ve got your health covered with medical, dental, and vision insurance, plus you can plan for your future with our 401(k) and ESOP retirement plans. And that’s not all - enjoy a range of additional benefits and incentives consistent with our company policy. Join us and discover how rewarding your career can be!

Disclaimer

This job description outlines the general nature of the role and is not intended to be all-inclusive. Duties, responsibilities, and benefits may change as business needs evolve. Employment is at will, meaning either the employee or the Company may end the employment relationship at any time, consistent with applicable law. We are an Equal Opportunity Employer and value diversity at all levels of the organization.