Loan Originator - Waco

fnbtandfcbcareers; Waco (TX); Remote; USD 65,000 - 90,000; Full time

Job summary

First National Bank Texas is seeking a mortgage originator to grow our loan portfolio in the assigned territory. You will develop relationships with local real estate agents and builders, train staff on mortgage basics, and manage end-to-end loan processes with borrowers and agents.

The role requires in-person origination experience, knowledge of VA/FHA/conventional programs, and proficiency with underwriting tools. A home-office capable, self-motivated candidate is preferred.

Qualifications

• High School Diploma or Equivalent required.
• 2+ years in-person mortgage origination with a solid book of business.
• Experience in a commission-based origination role.
• Knowledge of VA, FHA and conventional mortgage programs.
• Knowledge of LP, DU and underwriting systems.
• Experience with mortgage origination software (Ellie Mae).
• Self-motivated with ability to work from a home office with limited supervision.
• Ability to review and understand credit reports.
• Strong organizational and prioritization skills.
• Good communication and presentation skills.
• Must pass background check per policy.
• Able to work well in a team.

Responsibilities

• Originate high quality loans meeting guidelines.
• Develop relationships with real estate agents and builders.
• Manage territory; train employees on mortgage basics.
• Present to realtors, buyers and partners; conduct seminars.
• Handle customer loan applications and credit pulls.
• Explain disclosures and all initial compliance docs.
• Coordinate with borrowers, agents throughout the loan process.
• Travel as needed to meet business needs.
• Maintain regular and punctual attendance.
• Other duties as assigned.

Skills

Mortgage origination

Business development

Credit analysis

Presentations

Team collaboration

Self-motivation

Education

High School Diploma or Equivalent

Tools

Ellie Mae mortgage software

LP/DU/CLTV 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