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Consumer Direct Loan Originator

Wintrust · Glen Ellyn, IL · Full time

Posted Aug 24, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a loan that fell apart. What did you learn about what to check earlier?

What they are checking: Learning from a dead file rather than blaming it.

How do you work with processing and underwriting so your files move rather than sit?

What they are checking: Internal partnership, which the posting names directly.

This is at Wintrust Mortgage in Glen Ellyn, at a minimum hourly rate of $15.00 with monthly commissions, and it requires meeting all mortgage loan originator registry requirements. Are you registered today, and what do you want to know about how the commission is actually earned?

What they are checking: Direct check on licensing and on a pay structure that is mostly commission.

What would you do

You are calling people who inquired about a mortgage online. What do you say in the first thirty seconds?

What they are checking: The opening on an inbound-lead outbound call, which is this whole job.

A borrower wants a loan structure that qualifies them but will be tight if anything changes. How do you handle that conversation?

What they are checking: Whether they will tell a customer something that costs them the sale.

A customer is slow getting you documentation and the rate lock is running out. What do you do?

What they are checking: Chasing documents without damaging the relationship.

You have twenty leads and time to call eight well. How do you choose?

What they are checking: Prioritization on a commission-paid pipeline.

About the work

Walk me through the financial analysis you do before you present loan options to someone.

What they are checking: The analysis step the posting requires, judged by what they actually look at.

How do you explain the difference between two loan options to someone who has never bought a home?

What they are checking: Plain explanation of a complex product, at a level a first-time buyer can follow.

How do you keep researching guidelines current when they change and a wrong answer costs a customer real money?

What they are checking: Guideline discipline, which the posting lists as a duty.

Practice this interview out loud.

Offer builds a real interview for this exact role at Wintrust from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

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The full job description

As published by Wintrust.

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of homeownership and has since successfully navigated the ever-changing real estate market. As a full-service, federally chartered lender with offices located across the country, we’re dedicated to providing customers with a wide range of mortgage products and have the capability to lend in all 50 states. To complement the basic conventional, FHA, and VA loan programs, we are uniquely positioned to meet the needs of the continually evolving market. Wintrust Mortgage is part of Wintrust, a financial services company with more than $66 billion in assets. Why join us? • An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years) • Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few • Family-friendly work hours • With 175+ community bank locations, we offer opportunities to grow and develop in your career • Promote from within culture Why join this team? • We have a culture that encourages an entrepreneurial spirit • We offer multiple opportunities for development and upward mobility What You’ll Do: • Proactively make outbound phone calls to both potential and existing borrowers who have inquired about a mortgage purchase or refinance via the internet and other sources. • Complete a financial analysis and assess individual needs of each customer. • Research mortgage guidelines and structure loan options for customers based on their financial and personal needs. • Present customers with mortgage options; provide guidance to ensure the customer is able to make an informed decision. • Assist customers in completing a mortgage application. • Obtain required documentation from customers in a timely fashion in order to submit their loan application for processing. • Monitor status of the loan application and follow up with customer as needed to obtain additional documentation and provide status updates. • Effectively work with internal departments to ensure the loan is processed, underwritten, and closed in an efficient and timely manner. • Manage day to day transactions and relationships with customers and vendors. • Other duties as assigned. Qualifications: • Associates or Bachelors degree preferred. • Possess experience within a call center environment and be able to communicate with confidence and poise. • Excellent interpersonal, organizational, communication (both written and oral), and telephone etiquette skills. • Exceptional aptitude for math and financial analysis. • Sales experience preferred. • Thrive in a fast-paced environment while maintaining a positive attitude. • Must be a self starter, motivated and energetic. • Must have strong time management skills with the ability to determine priorities and meet deadlines. • Demonstrate integrity, ethics, accountability, responsibility, initiative and teamwork. • Ability to work independently and take direction. • Must possess a working knowledge of computers to include MS Word, Excel and Internet. • Must meet all NMLS requirements. Benefits: Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance Compensation : The minimum estimated hourly rate for this role is $15.00, along with eligibility to earn monthly commissions. Actual pay rate may vary based on several factors, such as a candidate’s location , qualifications, skills, and experience. From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.

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