Mortgage Loan Officer

First Financial Bank; Town of Texas (WI); On-site; USD 65,000 - 90,000; Full time

Job summary

First Financial Bank is seeking a Mortgage Loan Officer to originate and manage secondary market mortgage loans for customers. You will engage with bank customers, real estate professionals, and other partners to structure competitive financing solutions.

The role requires knowledge of mortgage lending laws and strong client relationship skills, with a track record in sales and a commitment to professional ethics. Fort Worth, TX is the office location and you will work with limited supervision.

Qualifications

• Two years of mortgage loan experience is required.
• One year of real estate/sales experience is required.
• Working knowledge of mortgage lending laws and regulations is necessary.
• Familiarity with FNMA, FHLMC, FHA, and VA regulations and guidelines is preferred.
• Proficiency in Microsoft Word, Excel, and related applications is required.

Responsibilities

• Solicits new prospects for residential mortgage secondary market loans through contacts and referrals.
• Conducts interviews with prospective borrowers to analyze financial data and determine financing objectives.
• Advises customers on product pricing and gathers required information.
• Maintains a network of personal and business relationships for referrals.
• Ensures exceptional customer service by knowing lending programs, policies, and regulatory requirements.
• Complies with all relevant laws and bank policies.

Skills

Microsoft Word

Excel

Interpersonal skills

Oral communication

Customer service

Sales experience

Education

High school diploma or equivalent

Bachelor's degree in real estate or finance may substitute for experience

Job description

Address

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.

Office Location

Fort Worth, Texas, United States

SCOPE/CONTACTS

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.

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;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives;
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies 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 and other loan

programs offered.

• Proficiency in Microsoft Word, Excel, and related computer applications is also required.
• 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)