CRA Mortgage Loan Originator

Essential Functions/Responsibilities

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Responsible for developing and maintaining business plan for growth of this business area.
• Networks with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products.
• 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 requests regarding accounts.
• Promotes and cross-sells other bank products and services as appropriate to customer requirements.
• Works directly with Community Development Operating Council to assist with CRA loan initiatives in local market.

Minimum Knowledge, Skills, and Abilities

• Minimum of 2 years experience originating CRA residential mortgages, 4 years preferred.
• Must have existing referral network established to provide CRA mortgage leads.
• Must have prior experience using loan originating software and MS Office products.
• Strong product knowledge and underwriting requirements for Government (FHA, VA, USDA) and CRA specific 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.
• Maintain employer and industry required continuing education.

Preferred Knowledge And Skills

• Level of Complexity and Scope
• Degree of Independence and Decision-Making Required
• Supervisory Responsibilities

Physical 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.

Development and Training

Pay Range $23.56- $26.44/hour

Benefits

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

Incentive Eligibility

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

Compliance Statement

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.