Mortgage Loan Officer

First Financial Bank Texas; Mineral Wells (TX); On-site; USD 60,000 - 80,000; Full time

Job summary

First Financial Bank Texas is seeking a motivated individual to provide secondary market mortgage loans. The role involves conducting borrower interviews, soliciting prospects, and ensuring exceptional customer service. Applicants must have significant mortgage experience and strong communication skills.

Successful candidates will enjoy a collaborative work environment and opportunities for professional growth, all while complying with regulatory requirements.

Qualifications

• Two years of mortgage loan experience required.
• One year of real estate/sales experience required.
• Familiarity with FNMA, FHLMC, FHA, and VA regulations.

Responsibilities

• Solicit new prospects for mortgage loans.
• Conduct interviews with prospective borrowers.
• Advise customers on product/pricing policies.

Skills

Proficiency in Microsoft Word

Proficiency in Excel

Effective oral communication

Interpersonal skills

Education

High school diploma or equivalent

Bachelor’s Degree in real estate or finance

Job description

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description

Incumbent is responsible for providing secondary market mortgage loans to consumers. The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs.

Office Location

Fort Worth, Texas, United States

SCOPE/CONTACTS

Contact with Bank customers, personnel, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities.

Essential Functions

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conduct interviews with prospective borrowers to analyze financial and credit data to determine customer financing objectives;
• Advise customers on product/pricing policies and guidelines and gather any additional required information;
• Continuously identify, develop and maintain a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrate a commitment to professional ethics;
• Participate in job‑specific training and other various bank training programs as required;
• Comply with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures;
• Other duties as assigned;
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

Minimum Qualifications

• High school diploma or equivalent;
• Two years of mortgage loan experience and one year of real estate/sales experience are required;
• Bachelor’s Degree with specialization in real estate or finance may substitute in lieu of experience;
• Working knowledge of mortgage lending and laws/regulations procedures is necessary;
• Must be familiar with FNMA, FHLMC, FHA, and VA regulations and guidelines as well as other loan programs offered;
• Proficiency in Microsoft Word, Excel, and related computer applications;
• Incumbent must be able to work with limited supervision;
• Professional demeanor as well as effective oral communication and interpersonal skills are essential.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60‑1.35(c)