Mortgage Loan Originator

First Farmers and Merchants Bank; Chattanooga (TN); Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Hybrid work flexibility

Competitive compensation

Job summary

First Farmers and Merchants Bank seeks a dynamic Mortgage Loan Originator to develop and nurture new relationships with Real Estate professionals in the Chattanooga market. You will guide clients through the mortgage process, provide tailored financing solutions, and collaborate with a high-performing team to deliver exceptional service.

In this hybrid role, you’ll meet applicants, analyze financial information, structure loan solutions, and ensure files are complete and compliant from

Qualifications

• Strong sales abilities and a passion for building partnerships.
• Ability to analyze financial information and recommend loan options.
• Client-focused with excellent communication and follow-through.

Responsibilities

• Meet with mortgage applicants to understand financial needs and review loan requests.
• Evaluate borrower information and recommend appropriate loan products.
• Submit loan applications and documentation for processing; monitor progress through closing.
• Present loan recommendations for approval in line with bank policies.
• Build relationships with real estate professionals and clients to grow the market.

Skills

Sales skills

Relationship building

Communication skills

Education

High School Diploma or equivalent

Job description

• Job Location: First Farmers and Merchants Bank, This position is responsible for business development and mortgage lending activities throughout the Chattanooga market. Hybrid work flexibility may be available; however, regular in-market presence and relationship-building activities are required.
• Education Level: High School Diploma or equivalent
• Job Type: Full Time
• VEVRAA Federal Contractor
• Request Priority Referral of Protected Veterans
• EOE Protected Veterans/Disabled

About the Role

We’re seeking a dynamic Mortgage Loan Originator with strong sales abilities and a passion for building meaningful partnerships. In this role, you will take the lead in developing and nurturing new relationships with Real Estate professionals within your market—helping expand our presence and drive continued growth.

As an MLO, you’ll guide clients through the mortgage process with clarity and confidence, delivering exceptional service and crafting tailored financing solutions that support their homeownership goals. You’ll build long‑term client relationships, analyze financial information to recommend the best lending options, and collaborate closely with a supportive, high-performing team.

If you’re a motivated salesperson who thrives on relationship-building, strategic thinking, and helping clients achieve their dreams, this is the opportunity to grow your career and make a meaningful impact.

What You’ll Do

• Meet with mortgage applicants to understand their financial needs and review initial loan requests.

• Evaluate borrower information and recommend appropriate loan products that best meet their goals.

Manage the Loan Process

• Submit fully completed loan applications and documentation for processing.

• Monitor progress and keep clients informed from application through post closing.

• Partner with the Mortgage Loan Originator Assistant to ensure all files are complete, accurate, and properly secured.

Structure & Present Loan Solutions

• Negotiate loan terms and structure financing packages based on risk and credit considerations.

• Present loan recommendations for approval in alignment with bank policies.

Deliver Exceptional Service

• Support the bank’s relationship focused culture with strong product knowledge and proactive communication.

• Build positive relationships with customers, prospective clients, and team members.

Be a Team Player

• Help coordinate workflow and contribute to a supportive team environment.

• Champion department and company goals with a collaborative mindset.

Stay Compliant

• Follow all company policies, procedures, lending regulations, and industry standards.

What We’re Looking For

• Strong communication and relationship building skills
• Ability to analyze financial information and make sound recommendations
• Knowledge of mortgage lending practices and regulations
• A team oriented approach with a commitment to excellent customer service
• Sales oriented and comfortable managing multiple tasks