Loan Originator - Multi Location

Fhnb; Killeen, Northern (TX, KY); Hybrid; USD 60,000 - 90,000; Full time

Job summary

First National Bank Texas is seeking an experienced mortgage originator to grow a solid book of business and work remotely with limited supervision.

You will originate high quality loans, develop relationships with real estate agents, and manage loan processes from application to closing, including disclosures and compliance documentation.

Qualifications

• High School Diploma or Equivalent
• At least 18 years of age
• 2+ 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

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 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

Skills

Mortgage origination experience

Commission-based environment

VA/FHA/conventional programs

LP/DU/Clout AUS

Ellie Mae Mortgage Software

Credit report analysis

Communication skills

Team player

Self-motivated

Home office capability

Organizational skills

Tools

LP/DU/Clout AUS

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
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