Position Title: Team Leader - Mortgage

Locations: St. Louis_MO

Time Type: Full time

Req ID: JR1038-St. Louis_MO

At Midland, we’re proud to be a little different. You can see it in our bright orange signs-but there’s more to it than that. With our heartfelt and personalized approach, we’re focused on meeting every customer’s needs with the brightest solutions.

For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow-through, we can brighten every interaction to drive our collective success. And this goes beyond traditional banking.

We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.

Our humble ambition keeps us growing, giving back, and looking ahead. We’re innovating and optimizing our services to ensure we stay unique - providing strength you can count on with heart you can feel.

You might say we’re unlike any other bank.

And you’d be right."

At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

Salary Range: $50,200 annually + variable compensation package

Location Requirement:
This position is responsible for leading the Mortgage team within our St. Louis Region and requires candidates to reside in or be willing to regularly work within this market.

Position Summary

This position performs a wide range of duties relating to the origination of residential mortgage loans for branch offices and outside referrals. Meet standards and objectives defined by management for personal mortgage loan sales and cross-selling objectives. Assume overall responsibility for the residential mortgage loan from application to closing on personal production. In addition, responsible for overall production of the team and the day-to-day management of each Loan Originator (LO). Effectively partner with fulfillment Operations to drive closed volume. This position is a leadership role.

Primary Accountabilities

People

• Manages a team of professionals in a customer-centric culture to excel in a fast-paced environment.
• Coaches, develops, and conducts performance management activities with direct and indirect reports.
• Identifies high-potential employees for advanced training and development opportunities.
• Effectively manages poor performers.
• Manages a team of at least 1 Mortgage Loan Originator (MLO) or Jr. Mortgage Loan Originator.

Relationship Management and Sales Development

• Develops and nurtures relationships with referral sources to generate new business opportunities.
• Cultivates a sales-focused culture within the team and contributes to the development of effective marketing strategies.
• Fosters a culture of compliance and ethical sales practices.
• Ability to generate annual production in excess of $20 million.
• Manages personal and team production to achieve monthly production goals.
• Holds business plan reviews with sales team.
• Builds strategic and tactical plans for driving volume growth in assigned area.
• Participates in sales calls with Loan Originator’s.
• Identifies opportunities for improvement in systems and procedures to enhance efficiency.
• Accountable for verifying all loan originators are in compliance with state and federal regulation, as well as policies and procedures set by the bank.
• Monitors quality levels of loan originators to insure adherence to standards.
• Serves as an intermediary for loan issues with processing, manager and underwriting manager.
• Provides support at bank sponsored events.

Other

• The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
• May require work in a Midland office to ensure collaboration and support of internal and external customers.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• Other duties as assigned.

Position Qualifications

Education/Experience:

• Bachelor’s degree in business, finance, real estate, or related field.

• Minimum of 3 years of experience leading teams with demonstrated success coaching and motivating team members.
• 5 years’ experience in real estate/mortgage sales required.

• NMLS State License or Federal NMLS Registration.
• Strong entrepreneurial and business development/sales experience/skills.
• Knowledge of FHA, FNMA and FHLMS underwriting guidelines.
• Subject matter expert in mortgage compliance regulations.
• Business acumen and judgment- bank mortgage products, policies, and procedures.

• Needs analysis skills - analyzing information regarding customer income/debts, etc. Interpersonal/Persuasive/Influencing and negotiation skills.
• In-depth knowledge of conventional, government, and portfolio guidelines.

• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations governing real estate lending.
• Excellent oral, written, and interpersonal communication skills with the ability to instruct others, interpret documents, and write reports and correspondence.
• Excellent organizational and time management skills.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Competencies:

• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self development
• Being flexible and adaptable

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at HR@midlandsb.com.

Midland States Bank may use automated tools and artificial intelligence (“AI”) to assist with recruiting, screening, and hiring decisions. In accordance with the Illinois Human Rights Act (effective January 1, 2026), these tools are designed and monitored to be neutral and job-related, and must not be used in a way that discriminates against applicants or employees based on any protected characteristic.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT