Mortgage Loan Officer
EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.
About the Organization First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to four banking centers and four mortgage offices.
Our asset size has increased to over $400 million and we have over 120 employees in the communities we serve. This progress has allowed us to focus our attention on the needs of local families and businesses in more Texas communities.
Being a community bank, we understand the needs of small business owners. Our banking officers are onsite and offer quick decision-making in the business lending arena. We offer competitive loan and deposit products, including those for consumers and small businesses.
A message from Cindy Campbell, President and CEO:
'Our philosophy is simple. First National Bank is built on relationships, not accounts. We get to know our customers and call them by name. Whether it is when they walk in the door or when we see them in the community, we greet them with a handshake and a smile. We want to offer you that same friendly, full-service experience in a timely manner.'
The Mortgage Loan Officer (MLO) proactively solicits new residential mortgage business and sells First National Bank (FNB) mortgage products to meet established loan quality and production goals. In this ongoing sales role, the Mortgage Loan Officer continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Loan Officer's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Loan Officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
The MLO responds to customer inquiries and referrals that are generated from both their own contacts and from other FNB business channels. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
This position may be subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. If at any time the Bank determines that your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.
PERFORMANCE REQUIREMENTS KNOWLEDGE, SKILLS AND ABILITIES:
- Ability to manage a heavy pipeline of 50 plus home loans
- Strong written and verbal communication skills
- Team work and customer service skills
- Self-motivated and highly organized
- Ability to prioritize multiple competing tasks
Familiar with FHA and HUD guidelines
Strong computer skills including MS applications and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information.
Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Ability to analyze and comprehend complex financial data and provide financial alternatives
Professional and effective interpersonal skills
- A high school diploma or equivalent is required.
- Two - Three years of experience in loan origination.
- Knowledge of conventional and/or government guidelines.
- Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending