Mortgage Loan Originator, Centralized Mortgage

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with matching

Time Off Programs

Tuition Assistance

Disability Insurance

Job summary

FNBO in Omaha is seeking a Mortgage Loan Originator to help customers achieve home ownership with a personal, streamlined mortgage experience. You will originate and close loans, assess client needs, and guide them through the full mortgage journey with accuracy and care.

The role rewards a mindset of continuous improvement, collaboration with branches and partners, and adherence to CRA, BSA/AML, and regulatory requirements. A hybrid schedule with in-person and remote work is expected.

Qualifications

• 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.

Responsibilities

• Provide an outstanding customer experience by listening to customer needs and offering solid mortgage guidance.
• Originate and close mortgage loans while ensuring compliance and file accountability.
• Collect and input complete applications using the FNBO Mortgage system.
• Explain mortgage options and guide clients through the process to meet financial goals.
• Collaborate with branches and mortgage partners to optimize referrals and efficiency.

Skills

Strong sales ability

Excellent verbal and written

Demonstrated customer service

Education

High School Diploma or equivalent

Tools

Microsoft Word

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 branchesSupport FNBO CRA & Fair lending requirements by:Utilizing FNBO product mix supporting MMCT, Emerging Markets, LMI and specified state bond loan programsCRA Community Service Volunteer hoursMaintain 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 dutiesExhibit professional behavior and promote positive working relationships. Main regular and predictable attendance.The Ideal Candidate for This Role:Knowledge, Skills, Education, Experience, and Physical QualificationsRequired:High School Diploma or equivalentStrong sales abilityExcellent verbal and written communication skillsDemonstrated customer service skillsWorking knowledge of Microsoft Word and Excel applicationsOpen availability 8am-6pm M-F and 9am-1pm Saturday (central time)Desired:Knowledge of pricing and various underwriting requirements1+ years of experience in mortgage loan originationActive Mortgage Originator with a pipelineThis 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 Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .To obtain compensation and benefit information related to this specific role, e-mail FNBO at [e-mail] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.Job number: R-20261424Registration Requirement: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.Equal Opportunity & Belonging:FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.Learn more here.FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.Click here to download 'EEO is The Law' Self-Print PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)Application Deadline:All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.