Mortgage Loan Officer

FNB Bank, Inc.; Murray (KY); On-site; USD 60,000 - 90,000; Full time

Job summary

FNB Bank, Inc. is seeking a Mortgage Loan Originator to originate conventional residential loans and Government programs (FHA/VA, Rural Housing) in Western Kentucky.

The role emphasizes building a referral network, prospecting, and maintaining a high-quality loan portfolio in compliance with applicable laws and bank policies. The ideal candidate is a self-motivated producer with a proven history of generating new business through referrals, networking, and relationship-based sales in mortgage

Qualifications

• Bachelor's degree or equivalent work experience.
• Minimum two years of mortgage origination or related sales experience.
• Strong business development and networking skills.
• Proven ability to build and maintain a mortgage pipeline.
• Knowledge of residential mortgage products and regulations.
• Excellent numerical and analytical abilities.
• Proficiency with PCs and mortgage lending software.

Responsibilities

• Solicit residential mortgages through contacts with realtors, builders, developers, and referrals from clients.
• Interview applicants to obtain information concerning needs and eligibility.
• Obtain and analyze pertinent financial and credit data.
• Negotiate terms and conditions of loan with mortgagors.
• Comply with BSA requirements and complete documentation.
• Close approved loans and ensure documentation compliance.
• Monitor loan exceptions and delinquencies and take corrective action.
• Stay informed on real estate market trends and mortgage rules/regulations.
• Call on potential or existing customers to develop or retain business.
• Participate in community and professional organizations to promote the bank.
• Cross-sell other bank services.
• Carry out other duties as assigned.

Skills

Relationship-building

Communication

Sales skills

Negotiation

Analytical skills

Mathematical ability

Independent work

Education

Bachelor's degree or equivalent work experience

Tools

Mortgage lending software

Job description

Description

JOB SUMMARY

Responsible for originating conventional residential mortgage loans and other Government loan programs, including but not limited to FHA/VA, Rural Housing in Western KY. Participate in related business development activities. Develop and maintain a loan portfolio and ensure that the credits are of the highest quality, fully documented and in compliance with all related laws and regulations as well as the Bank's lending policies.

The ideal candidate will be a self-motivated producer with a proven history of generating new business through referrals, prospecting, networking, and relationship-based sales, whether in mortgage lending or another successful outside sales environment.

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

1. Solicit residential mortgages through contacts with realtors, builders, developers, and referrals from clients.
2. Interview applicants to obtain information concerning their needs, desires, and eligibility to assist in determining whether the loan will be an acceptable risk
3. Obtain and analyze pertinent financial and credit data.
4. Negotiate terms and conditions of loan with mortgagors.
5. Comply with all BSA requirements and complete appropriate documentation.
6. Close approved loans, ensuring the completeness of the required documents and their compliance with applicable rules and regulations.
7. Monitor loan exceptions and delinquencies and take appropriate action to cure any deficiencies
8. Keep informed of trends and developments in the local real estate market, as well as the changing rules and regulations of both private and government-insured mortgages.
9. Call on potential or existing customers as assigned to develop new business or retain existing business.
10. Participate in and support community and professional organizations, which will contribute to personal growth and effectively promote the image of the Bank.
11. Cross-sell other bank services.
12. Carry out other such duties as may be assigned or directed.

Requirements

REQUIREMENTS AND QUALIFICATIONS

• Bachelor's degree or equivalent work experience.
• Active NMLS registration preferred or ability to obtain and maintain NMLS registration as required.
• Minimum of two years of successful mortgage origination experience or demonstrated success in outside sales, business development, financial services, real estate, or other relationship-based sales roles.
• Demonstrated success in business development and achieving production goals through networking, referrals, prospecting, and community involvement.
• Strong relationship‑building, communication, sales, and negotiation skills.
• Ability and willingness to develop and maintain a personal pipeline of mortgage business.
• Knowledge of residential mortgage products and regulations or demonstrated ability to quickly acquire such knowledge.
• Strong mathematical and analytical abilities.
• Proficiency with personal computers and software applications required for mortgage lending.
• Demonstrated ability to work independently and follow through on commitments to completion.

FNB is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to any status protected by applicable federal, state, or local law, including disability and protected veteran status.