Mortgage Loan Officer (VA/MD/NC & DC Roles Remote available!)

Position Overview

Atlantic Union Bank is hiring Mortgage Loan Officers, Sales Managers and Sales Teams focusing on VA, DC, MD & NC, with nearby states also viable. Branch locations include Reston, Richmond, Fredericksburg, Virginia Beach, Staunton, Harrisonburg, Roanoke, Charlottesville, and Hagerstown. The role reports to the Sales Manager/Branch Manager.

Key Responsibilities

• Originates and completes mortgage loan applications, submits loan files to processing, and delivers the highest level of customer service.
• Designs and implements a comprehensive business plan to increase sales and build relationships with referral sources.
• Completes telephone, mail-away, and face-to-face Loan Applications, ensuring all required fields and third party information are completed before approval.
• Determines proper program placement for loan files (e.g., FHA, VA, Conventional, USDA, etc.).
• Prices loans and locks rates per company policy.
• Reviews returned applications and documentation for completeness, accuracy, and compliance.
• Runs AUS, reviews findings, and gathers required documentation.
• Prepares requested Pre-Qualifications, orders credit reports, appraisals, and title requests, and conducts regular follow-ups with clients and referral sources.
• Maintains a consistent communication flow with applicants throughout processing, addressing questions and additional information needed.
• Submits loan files on time and collaborates with assigned Processors to meet contractual deadlines.
• Maintains a pipeline of all loans in process and tracks progress to ensure contractual turn times are met.
• Assists the Processor and all parties involved during the entire loan process.
• Meets or exceeds minimum production requirements.
• Attends all settlements when possible.
• Completes an annual Business Plan and meets regularly with the Sales Manager.
• Keeps informed of local real estate market trends, competitive developments, and regulatory changes affecting both private and government insured mortgages.
• Maintains a professional image and adheres to company policies and procedures.

Required Qualifications

• A minimum of 2 years' current experience as a Mortgage Loan Officer (or industry equivalent for Sales/Branch Managers) with established relationships and production in a specific market.
• NMLS registration is required.
• Proven ability to write, communicate, and generate independent leads, along with strong skills in professional communication with clients.
• Working knowledge of standard loan products and a solid understanding of underwriting guidelines.

Preferred Qualifications

• NMLS certification (Preferred).

Benefits & Perks

• Compensation: Salary is based on factors including education, work experience, and certifications. The role is eligible for either an applicable incentive compensation plan or a discretionary profit sharing bonus program.
• Benefits: Comprehensive benefits package details can be found at Atlantic Union Bank Benefits.
• Equal Employment Opportunity employer and a drug-free workplace.