Loan Originator

Fhnb; Texas; Hybrid; USD 60,000 - 110,000; Full time

Job summary

First National Bank Texas is seeking an experienced Mortgage Originator to originate loans and cultivate relationships with local real estate agents and builders. You will manage loan applications, pull credit, and present solutions while adhering to regulatory guidelines.

This role supports team collaboration, may include office management duties, and requires travel to meet business needs. The position emphasizes meeting FCMC guidelines and providing excellent service to borrowers.

Qualifications

• 2+ years of recent in-person mortgage origination experience with a solid book of business.
• Experience in a commission-based origination role.
• Knowledge of VA, FHA and conventional loan programs.
• Knowledge of LP, DU and Clout Automated Underwriting Systems.
• Ability to review and understand credit reports.
• Must pass background investigation and work well in a team.

Responsibilities

• Originate high quality loans which meet FCMC guidelines.
• Develop business relationships with local Real Estate agents and builders.
• Manage territory and train employees on mortgage loan basics.
• Develop contacts with Banks partner store management team.
• Take customer loan applications, including pulling credit.
• Conduct presentations (First Time Home Buyer Seminars, realtor meetings, etc.).
• Communicate with borrowers and real estate agents throughout the loan process.
• Issue and explain pre-qualification letters, disclosures and initial compliance documents.
• Travel as needed to meet business needs.
• Regular attendance and punctuality.
• Other duties as assigned.

Skills

Mortgage origination

VA/FHA knowledge

LP/DU/Clout UW systems

Ellie Mae software

Self-motivation

Credit review

Communication

Education

High School Diploma or Equivalent

Tools

Ellie Mae Mortgage Software

Job description

Requirements

• 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

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

Member FDIC, Equal Housing Lender
FCBI is an Equal Opportunity Employer
We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at[phone].

EEO is the Law