Join ONE AMERICAN BANK and Agora Lending: Shape the Future of Mortgage Lending While Honoring a Century-Old Legacy
Are you a motivated and passionate Mortgage Loan Officer—or aspiring to become one—looking for a fresh opportunity to elevate your career? If so, ONE AMERICAN BANK (“OAB”) and its cutting-edge mortgage division, Agora Lending, could be the perfect fit. We are a team of forward-thinkers building upon a proud legacy dating back to 1883, pushing the boundaries of modern finance, and striving to deliver an exceptional consumer experience in the mortgage industry. Whether you specialize in mortgage refinance, conventional loans, jumbo loans, Non-QM loans, or want to become a go-to resource for home loan guidance, we invite you to explore our Mortgage Loan Officer openings. Below, learn more about our unique culture, dual-platform approach, responsibilities, and the meaningful impact you can have on our current and future customers.
A Legacy of Strength, A Future of Innovation
ONE AMERICAN BANK was founded in 1883 and has more than a century of banking experience under its belt. Over the years, OAB has solidified its reputation as a reliable, well-capitalized financial institution that values integrity, consumer trust, and local-community relationships. While we treasure our deep roots, we are equally committed to evolving with the times. By leveraging digital services like online banking and mobile banking, as well as our technology-driven mortgage division, Agora Lending, OAB caters to the modern consumer’s need for speed, convenience, and transparent financial tools.
Technology as an Enabler—Not a Replacement
In an industry where human interaction is traditionally paramount—especially for major financial decisions such as home loans or mortgage refinance—we believe technology should support rather than replace our personal connections with clients. Our cutting-edge technology makes the lending process faster and more seamless, from mortgage pre-approval to closing costs. Still, we remain dedicated to a customer-centric, team-driven approach that prioritizes empathy, clarity, and accessibility. At OAB and Agora Lending, technology empowers our team to work smarter, communicate effectively, and provide a best-in-class experience for both first-time homebuyers and seasoned real estate investors alike.
Introducing Agora Lending: The Next Generation of Mortgage Lending
Agora Lending represents the evolution of mortgage services within ONE AMERICAN BANK. Our goal is simple yet ambitious: to simplify the mortgage process and reduce friction points often found in traditional lending. By blending innovative tools—such as advanced underwriting software, intuitive loan application systems like Ellie Mae’s Encompass360, and real-time mortgage rate tracking—we give our Mortgage Loan Officers unparalleled reach and efficiency.
Why Agora Lending Stands Out
High-Performance Team Culture
Our cohesive team dynamic means we encourage the exchange of ideas, celebrate successes, and learn from challenges. With a projected annual loan production of $1 billion, each Mortgage Loan Officer becomes an integral part of a results-driven, collaborative environment.Broad Range of Loan Products
Whether a client needs a conventional mortgage, is seeking a jumbo refinance, or requires a Non-QM (non-qualified mortgage) solution, we offer a variety of mortgage programs. This breadth enables you to serve a wide spectrum of borrowers effectively.Flexible Work Schedule
We understand that not every high-performer thrives in a rigid 9-to-5 environment. Unlike many call-center-focused lenders, we offer flexibility in how you organize your day and manage inbound leads.Dual-Platform Approach
You can self-source leads, maintain relationships with referral partners, and also take advantage of the inbound, company-provided pipeline. We don’t lock you into any single model, giving you the autonomy to create a strategy that fits your personality, strengths, and professional goals.Compensation in BPS
We take pride in paying our Mortgage Loan Officers in basis points (bps). Unlike some lenders who might rely on flat fees, we reward you for the value you bring, aligning your success directly with the success of the loans you originate.
The Role: Mortgage Loan Officers at Agora Lending
Now that you have a taste of our vision and culture, here’s how you can contribute:
Position: Mortgage Loan Officer
Division: Agora Lending, under ONE AMERICAN BANK
Projected Team: High-performance group with annual production exceeding $1 billion in loan volume
As a Mortgage Loan Officer, you will be the face of Agora Lending—a go-to resource for consumers navigating the complexities of financing their dream homes or seeking to refinance existing mortgages. You will combine technology-enabled tools with exceptional communication skills, guiding clients through everything from mortgage calculator estimations to final closing. This role is best suited for professionals who excel in a fast-paced, start-up environment, have a passion for technology, and are dedicated to delivering an outstanding client experience.
Key Responsibilities
Originate Mortgage Loans
- Convert in-bound leads provided by the company—these leads come from various marketing channels, including those searching for best mortgage lenders, mortgage interest rates, or ways to refinance a mortgage.
- Establish new client relationships through both self-sourced channels and referral partners.
- Market to your existing contact database, reaching potential first-time homebuyers, repeat homebuyers, or those seeking home equity loans.
Take Full and Accurate Loan Applications
- Utilize Ellie Mae’s Encompass360 to capture detailed borrower information efficiently.
- Ensure the accuracy of all data, from credit histories to income documentation, forming a solid foundation for the underwriting process.
Processing Residential Mortgage Loans
- Work with a comprehensive range of loan products including Conventional, Jumbo, Purchase, and Refinance.
- Adhere strictly to company policies and regulatory requirements at the state and federal levels.
Obtain & Review Documentation
- Collect and scrutinize all required loan documents, making sure everything is accurate and up-to-date before sending loan packages to Underwriting.
- Prepare approved loan packages for submission to Closing, staying on top of compliance and timing to ensure a smooth transition.
Pipeline Management
- Keep a vigilant eye on your loans in progress, ensuring that each step—from application to underwriting to final mortgage closing costs—remains on schedule.
- Communicate proactively with clients to manage expectations and maintain transparency.
Meet Deadlines and Closing Dates
- Collaborate with title companies, real estate agents, or other third parties to expedite closings, meeting or exceeding clients’ deadlines.
Customer-Focused Communication
- Serve as the primary contact for borrowers, sellers, real estate agents, and referral partners throughout the loan lifecycle.
- Provide updates, answer questions, and offer guidance on next steps.
NMLS Licensing & Compliance
- Complete your NMLS continuing education requirements to keep your license active and in good standing.
- Stay informed on changes in mortgage regulations, guidelines, and industry best practices.
Qualifications and Experience
While we value diverse backgrounds and experiences, here are some qualifications and traits that would make you an excellent fit for the Mortgage Loan Officer role at Agora Lending:
College Degree (Preferred)
- A degree in finance, business, or a related field can be beneficial, although practical lending experience is highly valued.
In-Depth Knowledge of Loan Products
- Familiarity with conventional loans, jumbo loans, Non-QM loans, VA loans, FHA loans, and other specialized programs.
- Ability to explain mortgage insurance, loan-to-value ratios, and other technical details to clients in an easy-to-understand manner.
Strong Technical Skills
- Comfortable using advanced digital tools, mortgage calculators, and specialized lending software.
- Proficiency in Excel and Word to maintain records, prepare reports, and communicate details.
Adaptable to Fast-Paced Environments
- We operate with a start-up mentality, meaning quick shifts and strategic pivots are sometimes necessary to keep up with market demands and consumer needs.
Creative and Resourceful
- If a client doesn’t fit neatly into a conventional program, your ability to think outside the box for solutions—like Non-QM loans or investor-specific programs—will be key to your success.
Attention to Detail and Multi-Tasking
- Managing multiple loan files simultaneously can be a juggling act—accuracy is critical to avoid compliance issues or delays in closing.
Team Player with Individual Accountability
- We celebrate collaboration but also recognize and reward individual excellence.
- Strong communication skills, both written and verbal, can help you articulate complex financing terms and influence decision-making.
Customer Obsession
- A knack for empathy and active listening ensures you guide customers toward products that genuinely fit their financial goals, whether it’s securing an optimal mortgage interest rate or exploring the best refinance mortgage strategies.
What Makes This Opportunity Stand Out
Choosing where to build your career in mortgage lending can be daunting. Here are some highlights that might help you see why joining ONE AMERICAN BANK and Agora Lending could be the pivotal move that accelerates your professional and personal growth:
Access to Advanced Tech
- Our integrated software solutions streamline everything from lead generation to mortgage closing costs calculations, so you can focus on building client relationships rather than getting bogged down in administrative tasks.
Extensive Marketing Support
- With inbound leads and advanced digital marketing strategies, you’ll find a robust pipeline of prospects. You’ll also have support in building referral partner networks, whether that’s real estate agents, builders, or financial advisors.
Uncapped Earning Potential
- Because we compensate in basis points, the harder you work—and the more loans you close—the greater your rewards.
Culture of Continuous Learning
- Both new and experienced Mortgage Loan Officers can take part in training programs to refine their skills, from negotiation tactics to best practices in mortgage refinance scenarios.
Commitment to Diversity & Inclusion
- We take pride in being an Equal Opportunity Employer, offering consideration for employment without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, or veteran status. A diverse team is crucial for comprehensively serving diverse markets.
Future-Focused Mindset
- As the financial industry continues to evolve, our commitment to adapting and innovating ensures longevity. If you’re looking for a place where your career won’t become stagnant, you’ve found it.
Your Impact on Customers’ Lives
Every day, you’ll help people navigate some of the most significant financial decisions they will ever make. Whether you’re guiding a young couple buying their first home, helping a seasoned homeowner refinance a mortgage for better terms, or assisting an investor in expanding their portfolio, you have the chance to make a substantial impact:
- Turning Dreams into Reality: Homeownership remains a key milestone. By providing relevant information on mortgage rates, down payment requirements, and available mortgage programs, you’ll help borrowers move one step closer to their dream homes.
- Financial Empowerment: A well-timed refinance could free up monthly cash flow or shorten a loan term, ultimately saving borrowers thousands of dollars in interest over the life of their loan.
- Stress Reduction: By managing deadlines, paperwork, and communication, you reduce stress for your clients, leaving them with a positive impression of the mortgage lending process.
Setting Yourself Up for Success at Agora Lending
If you’re considering applying for the Mortgage Loan Officer position, here are some ways to ensure a smooth transition:
Stay Current with Market Trends
- The mortgage industry can shift rapidly, influenced by interest rate changes, housing supply, and broader economic factors. Regularly check mortgage rate updates, read industry reports, and use a mortgage calculator to stay prepared.
Nurture Your Network
- Referral relationships with real estate agents, builders, and other financial professionals are gold for consistent lead flow. Keep them updated on new mortgage programs or Non-QM options that could appeal to their clients.
Leverage Technology
- Mastering our advanced tools like Ellie Mae’s Encompass360 will give you a competitive edge. The quicker you can process applications and communicate updates, the more satisfied your clients will be.
Embrace Feedback
- A learning mindset is critical. If you’re new to certain products like FHA or VA loans, don’t hesitate to tap into the expertise of your teammates. The more you know, the more credible and confident you’ll be with clients.
Be Proactive with Compliance
- Mortgage lending is heavily regulated. By staying on top of your NMLS continuing education and being meticulous with documentation, you’ll avoid compliance pitfalls and cultivate trust with borrowers and referral partners.
Ready to Apply?
If you’re seeking a role that blends competitive compensation, continuous learning, and the opportunity to leave a lasting mark on an industry ripe for innovation, we encourage you to explore the Mortgage Loan Officer positions at ONE AMERICAN BANK and Agora Lending. Our mission is to make the home financing process more accessible, transparent, and efficient—while never losing sight of the personal touch that sets us apart from other lenders.
ONE AMERICAN BANK (“OAB”) is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, or veteran status. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Conclusion
Joining ONE AMERICAN BANK and Agora Lending means you won’t be stepping into just another high-pressure call center. Instead, you’ll become part of a close-knit team that respects tradition but knows when to embrace cutting-edge technology for optimal efficiency. From home loan products to mortgage refinance solutions, we help Mortgage Loan Officers grow in an environment that values creativity, innovation, and the customer’s best interest above all else.
As our bank moves toward the future, guided by our well-capitalized foundation and unwavering dedication to client success, we invite you to be a vital part of that journey. With a flexible work schedule, competitive compensation structure, and an impressive variety of mortgage programs to offer, you’ll find the resources you need to build a truly rewarding career. Our team, equipped with advanced tools and unwavering support, stands ready to exceed the expectations of modern borrowers—together.
Take your next step with Agora Lending under the ONE AMERICAN BANK umbrella. Apply today and help us shape the future of mortgage lending while honoring our 140-year history of service, integrity, and innovation. Your journey to a thriving, future-proof career starts now.