Job Description

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a Mortgage Loan Originator to work alongside their team in Loudon, Tennessee .

POSITION SUMMARY

The Mortgage Loan Originator markets and originates qualified rural residential and lifestyle loans. Develops business development strategies that target potential Association customers and other influencers that may be a source of referrals for qualified residential and lifestyle loans. Maintains effective supervision of loans through sound loan administration to ensure Association position. Markets the Association by being a source of referrals for other lending segments of the Association.

PRIMARY WORK LOCATION

• Loudon, Tennessee

REPORTS TO

• Country Mortgage Manager

SUPERVISORY RESPONSIBILITIES

• None

MINIMUM EDUCATION AND EXPERIENCE

• Two years of post-secondary education and at least two years of related experience, preferably in the lending or legal field.
• Four or more years of professional experience in lending, financial services, or real estate preferred.
• Demonstrated understanding of mortgage loan origination, documentation, and compliance standards.
• Experience working directly with borrowers, title companies, appraisers, and other professionals in the loan process.

PREFERRED QUALIFICATIONS

• Skilled in networking, generating leads, and developing new business through proactive relationship management.
• Knowledge of laws, regulations, and credit practices in the Farm Credit System and the Association, with an emphasis on consumer lending.
• Strong understanding of residential and lifestyle loan products, including construction, refinance, and rural housing programs.
• Experience using mortgage or loan origination systems (LOS) and other financial software tools.
• Ability to analyze borrower financials and assess creditworthiness accurately and efficiently.
• Exceptional communication and customer service skills with the ability to build rapport and trust with borrowers and referral partners.
• Demonstrated ability to manage multiple loan files while meeting deadlines and maintaining accuracy.
• Provides referrals to other lending segments and promotes full-service Association products.
• High level of professionalism, integrity, and attention to detail.
• Team-oriented mindset with the ability to work independently under minimal supervision.

MINIMUM POSITION RESPONSIBILITIES

• Develop and implement a marketing plan for residential and lifestyle loan products that meets Association volume and income goals.
• Perform active business development, networking, and public relations activities to promote Association products and services.
• Engage in planned marketing activities designed to stimulate loan demand, expand market penetration, and enhance Association name recognition.
• Participate in community and public-relations events to increase exposure in the target market.
• Collaborate with the Sales Manager to remain within the established marketing budget.
• Originate and administer loans in a sound, constructive manner in accordance with Farm Credit System and Association regulations.
• Ensure all loan decisions are supported by accurate, well-documented facts and analysis.
• Prepare and deliver complete loan packages promptly to facilitate efficient processing and compliance.
• Maintain effective supervision of loans to protect the Association’s financial position.
• Achieve an average processing time of fewer than 55 days from application to closing.
• Ensure loan pricing achieves maximum gross profit, consistent with market conditions and area characteristics.

BENEFITS OF WORKING WITH RIVER VALLEY AG CREDIT

• Competitive Salary
• Performance Based Bonus (Incentive Pay)
• Generous PTO (Vacation and Sick Time) and 12 Paid Holidays
• Medical, Dental, and Vision Insurance
• 401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
• Company Provided Life Insurance and Disability Coverage
• Relocation Assistance Available, If Applicable

QUESTIONS?

• Reach out to us via email at [email protected]

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