CRA Mortgage Loan Originator

First Financial Bank; Cincinnati (OH); On-site; USD 32,456 - 36,423; Full time

Benefits offered by this job

Holistic wellbeing programs

Incentive eligibility

Job summary

First Financial Bank in Cincinnati is seeking a CRA Mortgage Loan Originator to promote mortgage lending in Low to Moderate Income areas. The successful candidate will be responsible for sourcing leads, managing borrower documentation, and ensuring timely loan closings.

With a background in mortgage origination and a strong referral network, you'll assist in increasing home ownership while adhering to compliance requirements. Competitive hourly pay and relevant benefits programs are offered.

Qualifications

• Minimum of 2 years experience in CRA mortgage origination.
• Established referral network for mortgage leads.
• Prior experience with loan originating software.

Responsibilities

• Achieve monthly loan production targets as per the MLO Agreement.
• Generate new business to meet CRA goals.
• Develop and maintain a growth business plan.

Skills

Mortgage loan origination

Referral networking

MS Office proficiency

Strong product knowledge

Customer servicing

Education

Bachelor's degree or equivalent experience

Tools

Loan originating software

Job description

Job Overview

First Financial Bank (FFB) CRA Mortgage Loan Originator- Originates mortgage loans sourced through referral partners, communityorganizations, housing agencies, local business leaders, realtors, andother referral sources.- Focuses on promoting mortgage lending options in Low to ModerateIncome (LMI) areas to increase home ownership within these communities.- Self‑sources mortgage leads, converts them into applications, presentspersonalized mortgage products, and manages borrower documentation.- Works with internal departments to ensure a superior customerexperience and timely loan closing.

Responsibilities

• Consistently achieves monthly loan production volume as specified in theMLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Responsible for developing and maintaining a business plan for growth ofthis business area.
• Networks with community organizations, local business leaders,housing agencies, realtors, builders, and other referral sources togenerate mortgage leads with focus on CRA products.
• Evaluates needs of potential customers and offers appropriate mortgageproducts and services, or provides referral to appropriate specialistwithin the Bank.
• Prepares and compiles mortgage applications and information forprocessing of mortgage loan applications generated.
• Ensures completeness of loan documentation.
• Oversees timely closing and funding of loans.
• Provides ongoing relationship servicing with current mortgagecustomers to maintain goodwill and gain additional business.
• Responds to mortgage inquiries and requests regarding accounts.
• Promotes and cross‑sells other bank products and services as appropriateto customer requirements.
• Provides data to support marketing and sales promotion programs.
• Works directly with Community Development Operating Council toassist with CRA loan initiatives in local market.
• Other duties may be assigned.

Qualifications

• Minimum of 2 years experience originating CRA residential mortgages(4 years preferred).
• Must have an established referral network to provide CRA mortgageleads.
• Prior experience using loan originating software and MS Officeproducts.
• Strong product knowledge and underwriting requirements for Government(FHA, VA, USDA) and CRA specific mortgage programs.
• Bachelor’s degree (B.A.) from a four‑year college or university, orequivalent combination of education and experience.
• Must have or be able to obtain Mortgage Loan Originator License withNMLS.
• Must be trained in all areas of mortgage lending.
• Must maintain employer and industry required continuing education.

Compliance Statement

The associate is responsible for meeting all compliance requirementsimposed on First Financial Bank by State and Federal law and regulation,as well as all related First Financial Bank policies and procedures.This includes Bank Secrecy Act, Anti‑Money Laundering, OFAC andSuspicious Activity reporting requirements, and other lending anddeposit compliance requirements.

Pay Range

$23.56 – $26.44 per hour.

Benefits

Relevant, thoughtful benefits and programs that support the holisticwellbeing of associates. Please review our Benefits Guide. Incentiveeligibility applies to all roles (except Co‑Op, Intern, or Studentpositions).

Equal Opportunity & Compliance

We are an E‑Verify Employer. We do not discriminate against anyindividual in violation of federal, state, and local laws as itrelates to age, race, color, religion, national origin, sex, maritalstatus, pregnancy, gender identity, disability, sexual orientation,genetic information, veteran/military service, or any other characteristicprotected by law.