Loan Originator - Salado, TX

First Community Mortgage; Salado (TX); On-site; USD 55,000 - 95,000; Full time

Job summary

First Community Mortgage in Salado, TX is seeking a results-driven Loan Originator to generate high-quality mortgage loans within FCMC guidelines. You will build relationships with local real estate agents and builders while managing a defined territory.

This full-time role requires knowledge of VA, FHA, and conventional programs, proficiency with Encompass and AUS tools, and the ability to work from a home office with minimal supervision. Travel to meet clients is expected.

Qualifications

• High School Diploma or Equivalent.
• 2+ years of recent in-person mortgage origination experience.
• Commission-based origination experience.
• Knowledge of VA, FHA and conventional loan programs.
• Knowledge of LP, DU and AUS.
• Experience with Ellie Mae mortgage originating software.
• Self-motivated, able to work from home office with limited supervision.
• Ability to review credit reports.
• Organize and prioritize tasks.
• Good communication and presentation skills.
• Pass background investigation.
• Team player.

Responsibilities

• Originate high quality loans meeting FCMC guidelines.
• Develop business relationships with local real estate agents and builders.
• Manage territory and train employees on mortgage 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, product training).
• Communicate with borrowers and real estate agents throughout the loan process.
• Issue and explain pre-qualification letters, disclosures and all initial compliance docs.
• May serve as general office manager with duties like correspondence and staff schedules.
• May act as liaison between locations and corporate management.
• Travel as needed.
• Regular attendance and punctuality.
• Other duties as assigned.

Skills

Mortgage origination

VA/FHA knowledge

Credit report review

Client communication

Teamwork

Self-motivation

Presentation skills

Home office capability

Education

High School Diploma or Equivalent

Tools

Encompass

AUS LP/DU tools

Job description

Loan Originator #050-30097

Salado, Texas, United States

Location

FCMC Salado

Location Address

805 N Main Suite D

Position Type

Full Time

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

FNBT is an equal opportunity employer.

FNBT is an equal opportunity employer.