Community Home Lending Officer
About the role
thenwith that content. Next: "As Part Of This Role You Will" bullet list of duties. Those are responsibilities. We'll create
Responsibilities
then- each bullet.
List items:
- Develop new mortgage business through networking, prospecting, and cultivating relationships with real estate professionals, builders, community organizations, employers, internal referral partners, and prospective homebuyers.
- Serve as a trusted advisor by educating customers on available mortgage products, down payment assistance programs, affordable lending programs, and the homebuying process.
- Interview applicants, analyze financial information, take residential mortgage applications, and ensure complete and accurate loan submissions.
- Maintain knowledge of residential mortgage products, down payment assistance programs, affordable lending programs, underwriting guidelines, regulatory requirements, and market conditions.
- Build and maintain partnerships with community organizations, real estate professionals, employers, housing agencies, and other referral sources to identify homeownership opportunities, expand access to sustainable homeownership, and support the Bank's community engagement initiatives.
- Plan, coordinate, and deliver homebuyer education workshops, financial education presentations, and community outreach events in support of Community Home Lending and Bank community service goals.
- Participate in community activities and professional organizations to strengthen community relationships, enhance the Bank's visibility, and create opportunities to serve prospective homebuyers.
- Demonstrate operational excellence by maintaining a well-managed pipeline, ensuring timely follow-up, accurate and complete loan applications, collaborating effectively with internal and external partners, and adhering to bank policies, procedures, and regulatory requirements.
- Deliver an exceptional customer experience throughout the mortgage lending process.
- Achieve individual production goals and contribute to overall Community Home Lending team objectives.
- Serve as an ambassador for First Merchants Bank by representing the Bank professionally in all customer, community, and business interactions.
That's responsibilities.
Next: "To be successful in this position, we require the following:" then list of requirements. Those are Requirements (or Qualifications). We'll treat as Requirements.
List:
- High school diploma or equivalent (GED).
- Minimum of three (3) years of experience in mortgage lending, mortgage origination, consumer lending with mortgage referral responsibilities, or a related residential lending role.
- Active NMLS registration and ability to maintain eligibility for mortgage loan originator registration under applicable regulatory requirements.
- Experience achieving sales, production, or business development goals.
- Experience independently developing and managing a pipeline of mortgage lending opportunities.
- Experience analyzing borrower financial information and recommending appropriate lending solutions.
- Experience educating customers on financial products and services, guiding customers through the lending process, and supporting homeownership opportunities.
That's requirements.
Next: "The Following Would Be a Plus" list: those are Qualifications (or preferred qualifications). We'll put as Qualifications.
List:
- Bachelor's degree in Business, Finance, Communications, Marketing, or a related field.
- Experience working with down payment assistance programs, affordable lending programs, or other homeownership initiatives.
- Experience developing partnerships with community organizations, real estate professionals, employers, housing agencies, or other referral sources.
- Experience delivering homebuyer education, financial education programs, or community outreach events.
Next: "First Merchants Offers The Following Base Pay PLUS Bonuses" then list of benefits. That's Benefits. Also maybe Pay? It says Base Pay PLUS Bonuses but no specific amount. We should not create Pay section unless posting actually states them. It mentions Base Pay PLUS Bonuses but no numbers. According to rule: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state benefits list, so we can create Benefits section. Pay section: not specific amount, so we should not create Pay. Schedule: not mentioned, so no Schedule.
Benefits list:
- Medical, Dental and Vision Insurance
- 401k
- Health Savings and Flexible Spending Accounts
- Vacation/Sick Time
- Paid Holidays
- Paid Parental Leave
- Tuition Reimbursement
- Additional Benefits (maybe vague). We'll include as list item.
We should not include "Additional Benefits" if it's vague? It's still a benefit but vague. Might be okay but rule: avoid filler like "not specified". "Additional Benefits" is vague but still a benefit. Might be okay. We'll include.
Now "A Little About Us" paragraph: that's not required but could be About the role? Already have About the role. Could be separate section like "About the Company". Not in allowed headings list; we have only those headings. So we should not add extra heading. Could incorporate into About the role? But we already have About the role describing role. The "A Little About Us" is about company. Could be omitted as not required? The instruction: Preserve ALL substantive information; do NOT invent or summarize away detail. So we need to keep that info. But we don't have a heading for company info. Could we put it under About the role? Might be okay to extend About the role paragraph to include that. However About the role currently is about role; we could add another paragraph after that about company. That's fine: we can have multiple
under same heading. Thus About the role section will have two paragraphs: first about role responsibilities, second about company vision/mission/team statement. Let's extract that: "First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy. Our Vision Is To enhance the financial wellness of the diverse communities we serve. Our Mission Is To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders. Our Team "We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging."" We'll keep that as a paragraph. Now we need to ensure we don't include boilerplate like "Apply today to begin your career with us!" That's application instruction, remove. Also remove "Employment is contingent upon successful completion of all applicable background, credit, and NMLS-related requirements." That's part of About the role? It's a requirement but we already have requirements. Could keep in About the role? It's a condition. Might be okay to keep in About the role paragraph. But we already have requirements list; we could keep it there as part of requirements? It's about background check; not in requirements list. Could add as a requirement item. But we already have list; we could add another bullet: "Successful completion of applicable background, credit, and NMLS-related requirements." However the instruction says preserve ALL substantive information. So we should include that somewhere. Could add to Requirements list as an item. Similarly "This position is subject to the Dodd-Frank Act and Truth in Lending Act qualification requirements for Mortgage Loan Originators." That's also a requirement. Add to Requirements. Thus Requirements list will include those. Now ensure we don't repeat content. Let's craft HTML. Structure:
About the role
First Merchants is seeking a Community Home Lending Officer to join our team! The Community Home Lending Officer (CHLO) is responsible for originating residential mortgage loans while expanding access to sustainable homeownership through community engagement, financial education, and relationship development. This role develops new business through partnerships with real estate professionals, employers, housing agencies, community organizations, and other referral sources. The CHLO serves as a trusted advisor by educating customers on mortgage products, down payment assistance programs, affordable lending solutions, and the homebuying process. Successful candidates demonstrate strong business development and relationship management skills, deliver an exceptional customer experience, and achieve consistent production results. They maintain a well-managed pipeline, collaborate effectively with internal and external partners, and adhere to all applicable policies, procedures, and regulatory requirements while supporting the Bank's commitment to expanding homeownership opportunities within the communities it serves.
First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy. Our Vision Is To enhance the financial wellness of the diverse communities we serve. Our Mission Is To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders. Our Team "We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging."
Responsibilities
- Develop new mortgage business through networking, prospecting, and cultivating relationships with real estate professionals, builders, community organizations, employers, internal referral partners, and prospective homebuyers.
- Serve as a trusted advisor by educating customers on available mortgage products, down payment assistance programs, affordable lending programs, and the homebuying process.
- Interview applicants, analyze financial information, take residential mortgage applications, and ensure complete and accurate loan submissions.
- Maintain knowledge of residential mortgage products, down payment assistance programs, affordable lending programs, underwriting guidelines, regulatory requirements, and market conditions.
- Build and maintain partnerships with community organizations, real estate professionals, employers, housing agencies, and other referral sources to identify homeownership opportunities, expand access to sustainable homeownership, and support the Bank's community engagement initiatives.
- Plan, coordinate, and deliver homebuyer education workshops, financial education presentations, and community outreach events in support of Community Home Lending and Bank community service goals.
- Participate in community activities and professional organizations to strengthen community relationships, enhance the Bank's visibility, and create opportunities to serve prospective homebuyers.
- Demonstrate operational excellence by maintaining a well-managed pipeline, ensuring timely follow-up, accurate and complete loan applications, collaborating effectively with internal and external partners, and adhering to bank policies, procedures, and regulatory requirements.
- Deliver an exceptional customer experience throughout the mortgage lending process.
- Achieve individual production goals and contribute to overall Community Home Lending team objectives.
- Serve as an ambassador for First Merchants Bank by representing the Bank professionally in all customer, community, and business interactions.
Requirements
- High school diploma or equivalent (GED).
- Minimum of three (