Loan Originator

fnbtandfcbcareers; Salado (TX); On-site; USD 60,000 - 90,000; Full time

Job summary

FNBT is seeking an experienced mortgage loan originator to originate high quality loans that meet guidelines and build strong relationships with local real estate agents and builders.

You will manage a territory for First National Bank Texas and train staff on mortgage loan basics, while communicating with borrowers and agents throughout the loan process. Travel may be required, and a high school diploma is required.

Qualifications

• 2+ years of in-person mortgage origination experience with a solid book of business.
• Knowledge of VA, FHA and conventional mortgage loan programs.
• Experience with Ellie Mae mortgage originating and processing software.
• Self motivation and capable of working from a home office with limited supervision.
• Strong communication and presentation skills.
• Must pass background investigation.

Responsibilities

• 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 train employees on mortgage loan basics.
• 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.
• Travel as needed to meet business needs.
• Regular and predictable attendance and punctuality.
• Other duties as assigned.

Skills

Mortgage origination experience

Customer communication

Presentation skills

Team training

Self-motivation

Education

High School Diploma or Equivalent

Tools

Ellie Mae mortgage origination 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

FNBT is an equal opportunity employer.

FNBT is an equal opportunity employer.

• 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