CRA Mortgage Loan Originator

First Financial Bank; Delphos (OH); On-site; USD 49,000 - 55,000; Full time

Benefits offered by this job

Incentive eligibility

Employee benefits

Job summary

First Financial Bank seeks a CRA Mortgage Loan Originator to originate loans sourced through referral partners and local communities, with a focus on Low to Moderate Income areas to promote home ownership. You will self-source leads, present mortgage products, collect documents, and coordinate with internal teams for timely closings.

Ideal candidates have CRA mortgage experience, a strong referral network, and knowledge of FHA/VA/USDA programs, with license readiness or existing licensing.

Qualifications

• Minimum of 2 years experience originating CRA residential mortgages, 4 years preferred.
• Must have existing referral network established to provide CRA mortgage leads.
• Must have prior experience using loan originating software and MS Office products.
• Strong product knowledge and underwriting requirements for Government (FHA, VA, USDA) and CRA specific mortgage programs.
• Bachelor’s degree from four-year college or university; or four years related experience and/or training; or equivalent combination of education and experience.
• Must have or ability to obtain Mortgage Loan Originator License with NMLS.
• Must be trained in all areas of mortgage lending and continuing education.

Responsibilities

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Develops and maintains a business plan for growth of this CRA mortgage area.
• Networks with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads.
• Evaluates customer needs and offers appropriate mortgage products or referrals to specialists.
• Prepares and compiles mortgage applications and information for processing.
• Ensures completeness of loan documentation and timely closing.
• Provides ongoing relationship servicing with current mortgage customers to maintain goodwill.
• Responds to mortgage inquiries and requests regarding accounts.
• Promotes and cross-sells other bank products as appropriate to customer requirements.
• Provides data to support marketing and sales promotions.

Skills

Mortgage origination

Referral network

MS Office

LO software

CRA products knowledge

Education

Bachelor’s degree

Tools

MS Office

LO software knowledge

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

As a First Financial Bank (FFB) CRA Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, community organizations, housing agencies, local business leaders, realtors, and other referral sources. The position will have primary focus on promoting mortgage lending options in Low to Moderate Income (LMI) areas to promote home ownership within these communities. The position will be required to self-source mortgage leads, convert into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing.

Essential Functions/Responsibilities

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Responsible for developing and maintaining business plan for growth of this business area.
• Networks with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products.
• Evaluates needs of potential customers and offers appropriate mortgage products and services, or provides referral to appropriate specialist within the Bank.
• Prepares and compiles mortgage application and information for processing of mortgage loan applications generated.
• Ensures completeness of loan documentation.
• Oversees timely closing and funding of loans.
• Provides ongoing relationship servicing with current mortgage customers 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 appropriate to customer requirements.
• Provides data to support marketing and sales promotion programs.
• Works directly with Community Development Operating Council to assist with CRA loan initiatives in local market.
• Other duties may be assigned.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Minimum of 2 years experience originating CRA residential mortgages, 4 years preferred.
• Must have existing referral network established to provide CRA mortgage leads.
• Must have prior experience using loan originating software and MS Office products.
• Strong product knowledge and underwriting requirements for Government (FHA, VA, USDA) and CRA specific mortgage programs.
• Bachelor’s degree (B.A.) from four-year college or university; or four years related experience and/or training; or equivalent combination of education and experience.
• Must have or ability to obtain Mortgage Loan Originator License with NMLS.
• 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 requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Pay Range

$23.56- $26.44/hour

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates’ holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.