Mortgage Loan Officer

First Financial Bankshares; Hereford; On-site; GBP 52,000 - 75,000; Full time

Job summary

First Financial Bankshares is seeking a Mortgage Loan Officer to source and close residential secondary market loans in Fort Worth, TX. You will interview borrowers, assess credit and financing objectives, and explain programs and requirements while building a trusted referral network.

Expect to maintain strong customer service, stay compliant with FNMA/FHLMC/FHA/VA guidelines, and collaborate with real estate professionals to meet client needs in a dynamic banking environment.

Qualifications

• High school diploma or equivalent.
• Two years mortgage loan experience and one year real estate/sales experience required.
• Bachelor’s degree may substitute for experience.
• Familiarity with FNMA, FHLMC, FHA, and VA regulations.
• Proficiency in Word, Excel, and related software.

Responsibilities

• Solicits new prospects for residential mortgage loans through contacts and referrals.
• Interviews borrowers to analyze financial and credit data to determine financing objectives.
• Advises customers on product pricing policies and gathers additional required information.
• Maintains a quality network of personal and business relationships for referrals.
• Ensures exceptional customer service with knowledge of lending programs and regulatory requirements.
• Complies with Federal and State laws, AML, BSA, and bank policies.

Skills

Oral communication

Interpersonal skills

Customer service

Sales aptitude

Education

Bachelor’s Degree in Real Estate or Finance

Tools

Microsoft Word

Excel

Job description

Address

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Fort Worth, Texas, United States

SCOPE/CONTACTS: Incumbent is responsible for providing secondary market mortgage loans to consumers. The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs.

ESSENTIAL FUNCTIONS:

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives;
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

MINIMUM QUALIFICATIONS:

• High school diploma or equivalent
• Two years of mortgage loan experience, and one year of real estate/sales experience are required.
• Bachelor’s Degree with specialization in real estate or finance may substitute in lieu of experience.
• Working knowledge of mortgage lending and laws/regulations procedures is necessary.

• Must be familiar with FNMA, FHLMC, FHA, and VA regulations and guidelines as well and other loan

programs offered.

• Proficiency in Microsoft Word, Excel, and related computer applications is also required.
• Incumbent must be able to work with limited supervision.
• Professional demeanor as well as effective oral communication and interpersonal skills are essential.