CRA Mortgage Originator — Fuel Homeownership in LMI Areas

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

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.