CRA Mortgage Loan Originator

Oak Street Funding; Lincolnshire (KY); In loco; USD 32.000 - 39.000; Tempo pieno

Descrizione del lavoro

First Financial Bank is seeking a CRA Mortgage Loan Originator to originate mortgage loans sourced through referral partners and community organizations, with a focus on Low to Moderate Income areas to promote home ownership. You will self-source leads, present mortgage products, collect documents, and drive loans from application through funding.

The role requires at least 2 years in CRA residential mortgage origination, a Bachelor’s degree, and an active MLO license or ability to obtain one.

Competenze

• Minimum of 2 years experience originating CRA residential mortgages.
• 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 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.
• 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.

Mansioni

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established CRA and fair banking goals.
• Responsible for developing and maintaining business plan for growth of this business area.
• Networks with community organizations, local business leaders, housing trade organizations, 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.

Conoscenze

CRA mortgage knowledge

Networking with partners

Loan origination software

MS Office

Formazione

Bachelor’s degree

Strumenti

Loan origination software

MS Office

Descrizione del lavoro

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, trade organizations, 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 and fair banking goals.
• Responsible for developing and maintaining business plan for growth of this business area.
• Networks with community organizations, local business leaders, housing trade organizations, 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 assist with mortgage servicing requests.
• Promotes and refers 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.
• Host consumer education events with internal and external partners.

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

• Minimum of 2 years experience originating CRA residential mortgages.
• 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 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.
• 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.

Preferred Knowledge and Skills

• 4 years experience originating CRA residential mortgages.
• Bilingual proficiency in Spanish and English is preferred.

Level of Complexity and Scope

Manages routine to moderately complex residential mortgage loan origination with an emphasis on CRA, government loan products, UW requirements, and compliance expectations. Manages the mortgage origination process from lead generation through application, documentation, disclosures, and coordination with internal partners through closing.

Degree of Independence and Decision-Making

Works independently within established bank policies, mortgage lending guidelines, CRA objectives, and regulatory requirements. Assesses customer needs and recommends appropriate mortgage products or referrals to internal specialists.

Required Supervisory Responsibilities

No required supervisory responsibilities.

Physical Requirements

Performs duties in an office or desk setting with extended periods of sitting and working at a computer. Must be able to operate standard office equipment. Must be able to occasionally lift and carry 15 pounds. Occasional walking, standing, or traveling to off‑site meetings, real estate offices, or community events may be required.

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.

Development and Training Pay Range

$23.56- $28.36/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.

About First Financial Bank

At first financial bank, our mission is clear: to be the best bank to do business with, the best place to work, and the best financial partner for our shareholders and the communities we serve. We believe that how we work is just as important as what we achieve. That’s why we’re guided by core values that shape everything we do: Doing the right thing Teamwork Mutual respect Wellbeing Excellence.

Our success starts with our people. We know that when our associates are talented, engaged, and supported, they create outstanding results. If you're looking to be part of a team that values integrity, inclusion, and collaboration—and where your growth matters—you’ll find your future here.