Mortgage Loan Originator, Centralized Mortgage

FNBO; DeKalb (IL); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with matching contributions

Time Off

Job summary

FNBO is seeking a Mortgage Loan Originator to help customers achieve home ownership with a personalized, easy mortgage experience. The role emphasizes process excellence and guiding clients through the mortgage journey from start to finish.

The position involves developing relationships with existing and new customers, offering guidance on suitable products, and driving loan opportunities in line with revenue goals.

Qualifications

• High School Diploma or equivalent required.
• Strong sales ability is essential.
• Excellent verbal and written communication skills are required.
• Demonstrated customer service skills are necessary.
• Working knowledge of Microsoft Word and Excel applications.
• Open availability 8am-6pm M-F and 9am-1pm Saturday (central time).

Responsibilities

• Provide an outstanding customer experience by listening to customer needs and offering mortgage guidance.
• Originate and close mortgage loans while ensuring compliance and file accuracy.
• Collect and input complete applications into the FNBO Mortgage system.
• Set accurate expectations and deliver on promises throughout the process.
• Advise clients on current and future mortgage needs to help achieve financial goals.
• Meet or exceed defined monthly and annual sales goals.

Skills

Sales

Communication

Customer service

Education

High School Diploma or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

At FNBO, our employees are the heart of our story and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Summary Of The Job

As a Mortgage Loan Originator at FNBO, you will help customers achieve home ownership by delivering a helpful, easy, and personal mortgage experience. This role takes pride in process excellence by understanding and communicating the mortgage journey from beginning to end. You will be a key player in all aspects of the loan journey, with a focus on the customer experience and needs (both short & long term).

As a Loan Originator you will have the opportunity to develop relationships with existing and new customers to provide advice and guidance on what product will be the best fit for the customer. You will identify and close loan opportunities in alignment with the department’s revenue and profit goals. You will need to have a continuous improvement mindset to bring forward ideas to improve process, training, technology, and customer experience.

FNBO's Mortgage Loan Originators will work primarily out of the corporate headquarters and be assigned to multiple retail branches. This role will be expected to work primarily over the phone with customers and internal partners.

About This Role

Key Accountabilities

• Provide an outstanding customer experience by listening to the needs of the customer and providing solid advice and guidance on mortgage loans.
• Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.
• Collect and input complete applications using the FNBO Mortgage system.
• Give an excellent customer experience by setting proper expectations and making sure we deliver on our promise throughout the process.
• Consult with clients about current and future mortgage needs to help them achieve their financial goals.
• Continually look for ways to increase revenue and reduce expenses.
• Provide comprehensive, timely and professional written/verbal product solutions to customers.
• Meet and/or exceed defined monthly and annual sales goals and contribute to our overall divisional goals.
• Meet monthly with manager to review performance goals and expectations outlined in the Mortgage Loan Office's "Plan for Success"
• Provide Mortgage education and support to assigned retail branches
• Support FNBO CRA & Fair lending requirements by:
  • Utilizing FNBO product mix supporting MMCT, Emerging Markets, LMI and specified state bond loan programs
  • CRA Community Service Volunteer hours
• Maintain and grow a comprehensive knowledge of current mortgage products, services, and operating procedures.
• Effectively utilize knowledge and all resources available to support team member competency development.
• Work in a collaborative manner with internal mortgage partners to ensure customer files are processed in an efficient and timely fashion.
• Partner across all areas of FNBO to optimize referral opportunities to meet the needs of the customer.
• Maintain internal and external partnerships to provide products and services.
• Proactively identify areas of opportunities for the mortgage division to be successful and best in class.
• Understand and comply with bank policy, laws, regulations and the bank’s BSA/AML Program as applicable to your job duties
• Exhibit professional behavior and promote positive working relationships. Main regular and predictable attendance.

The Ideal Candidate For This Role

Knowledge, Skills, Education, Experience, and Physical Qualifications

Required

• High School Diploma or equivalent
• Strong sales ability
• Excellent verbal and written communication skills
• Demonstrated customer service skills
• Working knowledge of Microsoft Word and Excel applications
• Open availability 8am-6pm M-F and 9am-1pm Saturday (central time)

Desired

• Knowledge of pricing and various underwriting requirements
• 1+ years of experience in mortgage loan origination
• Active Mortgage Originator with a pipeline
• This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS). Qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must meet ongoing regulatory requirements including acceptable background investigation and credit report results.

Candidates must possess unrestricted work authorization and not require future sponsorship.

Work Environment

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Compensation And Benefits Overview

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health