United Bank

Mortgage Originator

Job Locations US-WV-Martinsburg
Posted Date 1 week ago(3/8/2018 2:00 PM)
Job ID
# of Openings
Lending (Commercial/Consumer/Mortgage/Retail)
UB Non-Retail




The Mortgage Loan Officer/Sales Manager originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loans products to our customers and enhancing the bank’s fee based income. He or She develop referral relationships with realtors, builders, bankers and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including Bank’s Affordable Housing Loan Program. As Sales Manager he or she will work with Supervisor and Executive Management to offer ways to increase both Secondary Mortgages and In House Mortgage production.



  • Meets with customer or prospective customer to sell mortgage loan programs.
  • Meets with prospective customers at locations other than the employer’s business such as the customer’s home or place of business.
  • Interviews applicants and requests specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property.
  • Analyses information provided by the customer and exercises discretion and independent judgment in order to advise them on the difference product offerings and options.
  • Advises customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals.
  • Corresponds with or interviews applicants or creditors to resolve questions regarding application information.
  • Remains front line contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process.
  • Analyzes potential loan markets to develop prospects for loans. Must be able to develop new business from multiple sources while retaining existing business.
  • Develops and maintains working relationships with realtors, builders and other strategic referral partners.
  • Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions.
  • Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program.
  • Submits complete loan packages for processing and final underwriting approval.
  • Maintains the ability to pre-qualify clients at initial meeting.
  • Works with superiors to coordinate efforts to increase loan production.




  • Deepens customer relationships with bank by cross selling other bank products


  • Bachelor’s degree or three years of direct related experience or equivalent combination of education and experience required.
  • Proficiency in Microsoft Office Products
  • Must have working knowledge of underwriting guidelines and other related regulations
  • Strong sales environment demeanor
  • Must be able to register and maintain NMLS license
  • Account Management and customer service focused
  • Strong attention to detail and ability to mulit-task
  • Excellent written and verbal communications skills
  • Ability to identify potential banking opportunities and comfortable work with prospective clients
  • Demonstrated strong public speaking ability
  • Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval
  • Ability to obtain strong product knowledge
  • Ability to travel frequently off-site of work location for client meetings or business development functions and opportunities.
  • Ability to work flexible hours to meet the client and business development requirements



  • Ethical
  • Interpersonal Skills
  • Professional relationship building and client management skills
  • Professional Sales focused



  • Sitting or standing for extended periods of time.
  • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
  • Ability to converse and exchange information with all levels of staff within organization.
  • Ability to observe, perceive, identify, and translate data
  • Ability to travel via air, rail, automobile and/or bus.


With over 175 years of experience, United Bank is one of the region’s premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a full service financial institution with over $19 billion in assets.
At United Bank, our people are our greatest asset. Our company is a perfect fit for hard-working, driven individuals as we provide a culture that is entrepreneurial, efficient, relationship-based and service-oriented. United is proud of our record of growth and our commitment to service - not only to our customers, but also to the communities in which we live and work.
United encourages our employees to become involved in the community and in professional activities, and we provide continued training and other support to help all employees achieve their full potential.


Sorry the Share function is not working properly at this moment. Please refresh the page and try again later.
Share on your newsfeed