Mortgage Loan Originator

About the role

As a Mortgage Loan Originator at First Financial Bank (FFB), you will originate mortgage loans sourced through your established referral partners, our retail banking branches, internal departments, and marketing efforts to builders, realtors, and other referral sources. The position requires self-sourcing mortgage leads, converting them into applications, presenting personalized mortgage products and solutions, producing required disclosures, procuring intent to proceed, collecting borrower documents, and collaborating with internal departments to ensure a superior customer experience and timely loan closing.

Responsibilities

• Consistently achieve monthly loan production volume as specified in the MLO Agreement.
• Generate new business to meet established goals.
• Develop and maintain a business plan for growth in this area.
• Network with assigned bank branches, internal departments, employees, local organizations/businesses, realtors, builders, and other referral sources to generate mortgage leads.
• Evaluate the needs of potential customers and offer appropriate mortgage products and services or provide referrals to specialists within the Bank.
• Prepare and compile mortgage applications and information for processing.
• Ensure completeness of loan documentation.
• Oversee timely closing and funding of loans.
• Provide ongoing relationship servicing with current mortgage customers to maintain goodwill and gain additional business.
• Respond to mortgage inquiries and assist with mortgage servicing requests.
• Promote and refer other bank products and services as appropriate to customer requirements.
• Provide data to support marketing and sales promotion programs.
• Work directly with the sales manager to assist with CRA loan initiatives in the local market.

Requirements

• Minimum of 2 years’ experience originating residential mortgages (4 years preferred).
• Must have an existing referral network established to provide mortgage leads.
• Prior experience using loan originating software and MS Office products.
• Strong product knowledge and understanding of underwriting requirements for Conventional and Government (FHA, VA, USDA) mortgage programs.
• Bachelor’s degree (B.A.) from a four-year college or university; or four years of related experience and/or training; or equivalent combination of education and experience.
• Must have or be able to obtain a Mortgage Loan Originator License with NMLS.
• Must be trained in all areas of mortgage lending.
• Must maintain employer and industry-required continuing education.

Preferred Qualifications

• Four years of experience originating residential mortgages.

Benefits

First Financial Bank offers relevant, thoughtful benefits and programs that support every aspect of associates' holistic wellbeing. All roles are incentive-eligible with the exception of Co-Op, Intern, or Student positions.