Mortgage Loan Originator

Fox Valley Savings Bank (FVSBank) is a community-focused financial institution serving Northeastern Wisconsin, including Fond du Lac, Oshkosh, Waupun, and surrounding areas. Founded in 1934 in Fond du Lac, the bank has grown to offer a full range of services comparable to larger banks while maintaining local decision-making and personalized service. FVSBank provides secure deposit options and trusted lending solutions to individuals, families, and small- to medium-sized businesses. The organization emphasizes building genuine relationships with customers and partners, reflecting the values of the local communities it serves.

About the role

Originates residential mortgage and consumer loans from application through closing while ensuring compliance with all applicable federal and state lending regulations, maintaining a quality loan pipeline, developing referral relationships, and providing exceptional customer service throughout the lending process. Attains Bank, department, and individual goals related to Mortgage and Consumer Banking.

Responsibilities

• Proactively develops business by actively partnering with key referral sources including local realtors, developers, construction companies, and other financial institutions.
• Conducts outbound prospecting activities, including calls, referrals, networking events, community involvement, and realtor outreach.
• Establishes and maintains strong relationships with existing and potential real estate customers.
• Supports and implements all marketing efforts related to Mortgage Banking and represents FVSBank in the community.
• Conducts borrower interviews and prequalification assessments to identify appropriate loan products and determine borrowing capacity.
• Receives and screens loan applications, requests credit status, banking, and other references.
• Obtains and reviews required documentation including income verification, tax returns, bank statements, purchase contracts, title information, and appraisal-related documentation.
• Corresponds with applicants or creditors to resolve questions regarding application.
• Collects, analyzes, and presents borrower financial information for underwriting evaluation.
• Communicates loan status and decisions in accordance with Bank policies and regulatory requirements.
• Ensures timely delivery of required disclosures and assists borrowers with understanding loan documents and closing requirements.
• Addresses customer concerns and takes appropriate action to resolve them.
• Coordinates with processors, underwriters, appraisers, title companies, attorneys, and closing agents to facilitate efficient loan processing and timely closings.
• Maximizes customer relationships by referring additional banking products across all banking services at each mortgage closing.
• Stays abreast of new types of loans and other financial services and products in order to better meet customers' needs.
• Promotes fair and responsible lending practices and ensures all applicants are treated consistently and fairly in accordance with Fair Lending, Equal Credit Opportunity Act (ECOA), and Fair Housing requirements.
• Ensures compliance with all applicable federal and state lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Housing Act, SAFE Act, Flood Insurance regulations, Anti-Money Laundering (AML), Bank Secrecy Act (BSA), OFAC, and the Bank's policies and procedures.
• Maintains educational and professional expertise through attendance at job-related seminars, conferences, and workshops and involvement in professional, civic, and community groups.
• Conducts oneself in accord with the Bank’s Core Values.

Requirements

• High School Diploma or equivalency, required.
• Bachelor’s degree or equivalent work experience, preferred.
• 5 years or more of loan origination experience, preferred.
• Register and maintain licensing with the NMLS.

Skills

• Excellent communication skills, verbal and written.
• Sales skills.
• Analytical and synthesis skills.
• Organizational skills.
• Decision-making and creative problem-solving skills.
• Ability to deal with customers with tact, diplomacy, and confidentiality.

Physical Requirements

• The ability to sit for lengthy periods of time.
• Frequent use of computer, calculator, and other office equipment.
• Travel to branch locations, including driving of vehicle.