Mortgage Loan Originator

First Financial Bank; Hamilton (OH); On-site; USD 65,000 - 85,000; Full time

Job summary

First Financial Bank is seeking an experienced Mortgage Loan Originator to originate residential mortgages through referrals, branches, and marketing efforts. You will self-source leads, present solutions, and guide borrowers through applications and disclosures.

You will maintain knowledge of conventional and government programs (FHA/VA/USDA), ensure timely closings, and provide ongoing servicing. A current NMLS license or ability to obtain it is required, with at least 2 years of origination

Qualifications

• 2+ years of experience originating residential mortgages (4 years preferred)
• Must have an established referral network for mortgage leads
• Experience using loan origination software and MS Office products
• Strong knowledge of conventional and government mortgage programs (FHA/VA/USDA)
• Bachelor's degree or equivalent experience
• Must have or be able to obtain Mortgage Loan Originator License with NMLS
• Must be trained in mortgage lending and maintain ongoing education

Responsibilities

• Originate mortgage loans sourced through referral partners, branches, and marketing efforts
• Self-source mortgage leads and convert to applications
• Present personalized mortgage products and solutions to customers
• Prepare and compile mortgage applications and disclosures
• Ensure timely closing and funding of loans
• Provide ongoing relationship servicing to mortgage customers
• Promote other bank products as appropriate
• Collaborate with sales manager on CRA loan initiatives

Skills

Mortgage origination experience

Referral network

MS Office

Loan origination software

Education

Bachelor's degree or equivalent experience

NMLS Mortgage Loan Originator License

Tools

Loan origination software

MS Office

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! If you are interested and qualified for this role, we invite you to apply.As a First Financial Bank (FFB) Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, our retail banking branches, internal departments, and marketing efforts to builders, realtors, and other referral sources. The position will be required to self-source mortgage leads, convert into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing.

Essential Functions/Responsibilities

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established goals.
• Responsible for developing and maintaining business plan for growth of this business area.
• Networks with assigned bank branches, internal departments, employees, local organizations/businesses, realtors, builders, and other referral sources to generate mortgage leads.
• Evaluates needs of potential customers and offers appropriate mortgage products and services, or provides referral to appropriate specialist within the Bank.
• Prepares and compiles mortgage application and information for processing of mortgage loan applications generated.
• Ensures completeness of loan documentation.
• Oversees timely closing and funding of loans.
• Provides ongoing relationship servicing with current mortgage customers to maintain goodwill and gain additional business.
• Responds to mortgage inquiries and assists with mortgage servicing requests.
• Promotes and refer other bank products and services as appropriate to customer requirements.
• Provides data to support marketing and sales promotion programs.
• Works directly with sales manager to assist with CRA loan initiatives in local market.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Minimum of 2 years' experience originating residential mortgages, 4 years preferred.
• Must have existing referral network established to provide mortgage leads.
• Must have prior experience using loan originating software and MS Office products.
• Strong product knowledge and underwriting requirements for Conventional and Government (FHA, VA, USDA) mortgage programs.
• Bachelor's degree (B.A.) from four-year college or university; or four years related experience and/or training; or equivalent combination of education and experience.
• Must have or ability to obtain Mortgage Loan Originator License with NMLS.
• Must be trained in all areas of mortgage lending.
• Must maintain employer and industry required continuing education.

Preferred Knowledge and Skills

• Four year's experience originating residential mortgages.

Level of Complexity and Scope

Degree of Independence and Decision-MakingRequired Supervisory ResponsibilitiesPhysical Requirements

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Pay Range

This position pays at least the applicable state minimum wage plus commission opportunities based on performance.

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive EligibilityAll roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.