Loan Originator

Fhnb; Amarillo (TX); Remote; USD 50,000 - 80,000; Full time

Job summary

First National Bank Texas is seeking an experienced mortgage originator to originate high-quality loans and expand the bank’s presence with real estate agents and builders. You will manage a regional territory, train staff on mortgage basics, and conduct informative presentations to prospective borrowers.

The role requires 2+ years of in-person origination experience, knowledge of VA/FHA/conventional programs, and comfort working from a home office with limited supervision.

Qualifications

• 2+ years of recent in-person mortgage origination experience with a solid book of business.
• Knowledge of VA, FHA and conventional mortgage loan programs.
• Experience with underwriting systems LP, DU, and Clout.
• Experience with Ellie Mae mortgage originating and processing software.
• Ability to work from a home office with limited supervision.

Responsibilities

• Originate high quality loans meeting guidelines.
• Develop relationships with local real estate agents and builders.
• Manage territory and train employees on mortgage basics.
• Develop contacts with bank partner stores.
• Take customer loan applications, including pulling credit.
• Conduct presentations (First Time Home Buyer Seminars, realtor sales meetings, product training).
• Communicate with borrowers and real estate agents throughout the loan process.
• Issue and explain pre-qualification letters and disclosures.

Skills

Mortgage origination experience

Communication and presentation

Team player

Knowledge of VA/FHA/conventional loan

Education

High School Diploma or Equivalent

Tools

Ellie Mae Encompass

Job description

• High School Diploma or Equivalent
• At least 18 years of age
• 2 or more years of recent in-person mortgage origination experience with a solid book of business
• Experience within a commission-based origination role
• Knowledge of VA, FHA and conventional mortgage loan programs
• Knowledge of running LP, DU and Clout Automated Underwriting Systems
• Experience with Ellie Mae mortgage originating and processing software
• Self motivation and capable of working from a home office with limited supervision
• Ability to review and understand credit reports
• Ability to organize and prioritize
• Good communication and presentation skills
• Must successfully pass background investigation according to company policy
• Must be able to get along with co-workers and work effectively in a team environment

Job Description

• Originate high quality loans which meet FCMC guidelines
• Develop business relationships with local Real Estate agents and builders
• Manage territory of First National Bank Texas and First Convenience banks; train employees on mortgage loan basics
• Develop contacts with Banks partner store management team
• Take customer loan applications, including pulling credit
• Conduct presentations to include First Time Home Buyer Seminars, realtor sales meetings, product training, etc.
• Communicate with borrowers and real estate agents throughout the loan process
• Issue and explain pre-qualification letters, disclosures and all other initial compliance documentation for borrower; includes Good Faith Estimates, Truth-In-Lending and APR
• Depending on location and business need, this position may serve as a general office manager. Responsibilities would include, but not be limited to, general correspondence, supply maintenance, and clerical staff schedules.
• This position may also serve as acting liaison between position locations and corporate management regarding office incidents, business needs, and client concerns.
• Travel as needed to meet business needs
• Regular and predictable attendance and punctuality
• Other duties as assigned

Position level will be dependent upon internal and external experience

• Must be able to remain in a sitting and/or standing position for extended periods of time
• Requires ability to operate a computer and other office machinery
• Ability to lift up to 25 pounds

Member FDIC, Equal Housing Lender
FCBI is an Equal Opportunity Employer
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