Loan Originator

First National Bank Texas; Salado (AR); Hybrid; USD 55,000 - 95,000; Full time

Job summary

First National Bank Texas is seeking an experienced Mortgage Originator to originate high quality home loans, develop relationships with real estate agents and builders, and manage a defined territory while training staff on mortgage basics.

You will take borrower applications, review credit, and present programs at seminars to support sales. Travel may be required; strong communication is essential.

Qualifications

• 2+ years of in-person mortgage origination experience with a solid book of business.
• Experience in a commission-based origination role.
• Knowledge of VA, FHA and conventional mortgage loan programs.
• Knowledge of Ellie Mae mortgage originating and processing software.
• Self-motivation with ability to work from a home office with limited supervision.
• Ability to review and understand credit reports.
• Strong communication and presentation skills.
• Must pass background investigation per policy.

Responsibilities

• Originate high quality loans meeting FCMC guidelines.
• Develop relationships with local Real Estate agents and builders.
• Manage territory for 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.

Skills

Mortgage origination

Communication

Presentation skills

Teamwork

Self-motivation

Organizational skills

Education

High School Diploma or Equivalent

Tools

Ellie Mae Mortgage Software

LP/DU/Clout Underwriting Systems

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

Physical Requirements:

• 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

Qualifications

• 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

FNBT is an equal opportunity employer.

FNBT is an equal opportunity employer.

Location

FCMC Salado

Location Address

805 N Main Suite D