Mortgage Loan Officer

Farmers National Bank of Canfield; Criders Corners (PA); On-site; USD 60,000 - 100,000; Full time

Job summary

Farmers National Banc Corp. is seeking a Loan Consultant to source and originate 1-4 family mortgage loans and train branch staff on mortgage processes. You will identify cross-sell opportunities to partner divisions and build relationships within the real estate community.

The role requires 1+ year mortgage lending experience, knowledge of Freddie Mac/Fannie Mae guidelines and FHA/VA processes, and strong documentation skills. Travel to client sites is required.

Qualifications

• 1+ year mortgage lending experience.
• FHLMC/FNMA knowledge.
• FHA/VA knowledge.
• Strong organizational skills.
• Proven ability to manage mortgage documentation.

Responsibilities

• Source, qualify and originate 1-4 family mortgage loans.
• Recognize cross-sell opportunities for other divisions.
• Support and partner with retail branch teams to generate mortgage opportunities.
• Develop and maintain profitable Centers Of Influence to generate leads.
• Develop and maintain relationships within the real estate community.
• Collect, process and complete mortgage paperwork (applications, tax statements, income data).
• Create and track production and call reports monthly/quarterly/annually.
• Travel to multiple retail banking offices and client homes/offices daily.
• Generate new business leads through referrals and other influences.
• Provide superior client service with attention to detail and needs.
• Ensure compliance with government and regulatory requirements.
• Interview applicants and request information for loan applications.
• Analyze financial status, credit, and property to determine feasibility.
• Correspond with applicants/creditors to resolve questions.
• Complete mandatory training including BSA/AML; maintain compliance.
• Complete other duties as assigned.
• Regular, predictable attendance is essential.

Skills

Mortgage Lending

Education

High School Diploma or GED

Associate's Degree in business (real estate preferred)

NMLS licensing

Tools

Excel

Word

Job description

SUMMARY

The primary purpose of this role is to source, qualify and originate 1-4 family, mortgage loans. While conducting this work the Loan Consultant will also be required to discover and refer cross‑selling opportunities as necessary to partner divisions within the Bank (Trust, Insurance, etc.). Loan Consultants will also be responsible for coaching and training retail branch staff regarding mortgage loan products, referral cues and referral processes.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Source, qualify and originate 1-4 family mortgage loans
• Recognize and execute qualified cross‑sell opportunities for other divisions such as Farmers Trust, Farmers Insurance, Commercial Lending and Private Client Services
• Support and partner with assigned retail branch teams to assist clients and generate new mortgage opportunities
• Develop and maintain profitable Centers Of Influence to help generate new business leads
• Develop and maintain relationships within the real estate community
• Collect, process and complete appropriate mortgage paperwork such as mortgage applications, tax statements, income data, etc.
• Create and track various production and call reports on a monthly/quarterly/annual basis
• Travel to multiple retail banking offices and client homes/offices on a daily basis
• Generate new business leads through personal referrals and other centers of influence
• Provide superior client service through meticulous attention to detail and to the client needs/wants
• Ensure compliance with all government and regulatory requirements
• Interview applicants and request specified information for loan application
• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loan
• Correspond with applicant or creditors to resolve questions regarding application information
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti‑Money Laundering procedures. Maintain compliance with all appropriate rules and regulations.
• Complete other duties as assigned
• Regular, predictable attendance is an essential requirement of this position

EDUCATION AND/OR EXPERIENCE

• High School Diploma or G.E.D. required, Associate's Degree in business (real estate preferred)
• Must be eligible for NMLS licensing or be currently licensed and in good standing
• Minimum of 1 year experience in mortgage lending and/or processing
• Thorough knowledge of Freddie Mac (FHLMC) and Fannie Mae (FNMA)
• FHA/VA knowledge required
• Proven understanding of mortgage terminology, documentation, and regulations
• Proven organizational skills
• Strong computer skills (Excel, Word)

LICENSES & CERTIFICATIONS

NMLS (preferred)

SKILLS

• Mortgage Lending (required)

E-VERIFY & EEO

E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.

Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.