Mortgage Loan Officer

First United Bank; San Antonio (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

First United Bank is seeking an experienced Mortgage Loan Officer to originate and close mortgage loans in the San Antonio market. This outside sales role relies on extensive marketing efforts and existing relationships to meet originations objectives while promoting a full suite of lending solutions, including agency, construction, jumbo, and Non-QM products.

You will drive business growth and provide exceptional service.

Qualifications

• Must have at least two years’ experience in mortgage lending.
• Proven track record of generating sales in mortgage lending.
• Must currently be a Mortgage Loan Officer closing at least 2 self-sourced loans per month.

Responsibilities

• Originate and close retail mortgage loans through extensive marketing initiatives and relationships.
• Cross-sell First United Bank products and services.
• Counsel borrowers through the application, approval and closing process and attend closings.

Skills

Mortgage lending experience

Lead generation

Client relationship management

Excellent communication

Self-sourced loan close

Education

High School diploma or GED

Job description

Join Our Team! We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.

Position Job TitleMortgage Loan Officer Job Description First United Bank Mortgage is making a significant investment in the San Antonio market and is seeking experienced, relationship-driven Mortgage Loan Officers to help build our next phase of growth. This is an opportunity to join a growing team backed by a strong community bank platform, world-class operations, and a full suite of lending solutions including agency, construction, jumbo, and Non-QM products. We're looking for high-performing mortgage professionals who want to grow their business, expand their market presence, and play a meaningful role in shaping the future of First United Mortgage in San Antonio. The primary role of a Mortgage Loan Officer is to originate and close mortgage loans through extensive marketing initiatives as well as new and existing relationships. The Mortgage Loan Officer position is an outside sales position responsible for originating retail mortgage loans through external sources. This position is directly responsible for origination objectives and sales strategies that will expand market share.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.
• Cross sells First United Bank products and services.
• Works with bank personnel to promote First United in assigned markets.
• Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.
• Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.
• Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.
• Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.
• Counsels the borrower through the application, approval and closing process – including review of the Closing Disclosure with the borrower prior to closing.
• Attends closings and ensures great customer service throughout the process.
• Meets minimum expectations for First United best practices and production standards.
• Attends assigned production meetings.
• Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Performes other duties as requested by Executive Management or Supervisor.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.

EMPLOYEE SPECIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:San Antonio

High School diploma or GED required.

Education and Work Experience

• MUST have at least two years’ experience in mortgage lending environment.
• Proven record of success for generating sales in a mortgage lending environment.
• MUST be currently working as a Mortgage Loan Officer closing a minimum of 2 self-sourced loans per month.

Technical/Functional Competencies

• Possession of strong organizational skills.
• Excellent verbal and written communication skills.
• Exceptional interpersonal communication skills.
• Ability to work independently on assigned tasks as well as to accept direction on given assignments.
• Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.

First United is an Equal Opportunity Employer.

To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

First United Bank is a family-friendly organization with strong ties to the communities we serve. We practice honesty, integrity, and exceptional customer service as we strive to be the best place, to bank, work and invest. We are committed to providing excellent career opportunities and a wide array of benefits for our staff. And, in recognition of First United's commitment to being a premier employer, we've been honored by OKCBiz Magazine as a "Best Places to Work" organization. As one of only 30 organizations and companies to receive this prestigious designation, we're very proud of our accomplishment! The key to First United's success is, and always will be, our exceptional people. Our employees share a desire to provide the best possible service to our customers and they work creatively, set high standards for themselves, and stick to them.

We look forward to meeting you and wish you the best in your career!