Mortgage Loan Originator, Centralized Mortgage

About the role

As a Mortgage Loan Originator at FNBO, you will help customers achieve home ownership by delivering a helpful, easy, and personal mortgage experience. This role takes pride in process excellence by understanding and communicating the mortgage journey from beginning to end. You will be a key player in all aspects of the loan journey, with a focus on the customer experience and needs (both short and long term). You will develop relationships with existing and new customers to provide advice and guidance on mortgage products, identify and close loan opportunities in alignment with department revenue and profit goals, and maintain a continuous improvement mindset to enhance processes, training, technology, and customer experience.

FNBO’s Mortgage Loan Originators will work primarily out of the corporate headquarters and be assigned to multiple retail branches, working primarily over the phone with customers and internal partners.

Responsibilities

• Provide an outstanding customer experience by listening to customer needs and offering solid advice and guidance on mortgage loans.
• Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.
• Collect and input complete applications using the FNBO Mortgage system.
• Set proper expectations and deliver on promises throughout the mortgage process to ensure an excellent customer experience.
• Consult with clients about current and future mortgage needs to help them achieve their financial goals.
• Continually look for ways to increase revenue and reduce expenses.
• Provide comprehensive, timely, and professional written/verbal product solutions to customers.
• Meet and/or exceed defined monthly and annual sales goals and contribute to overall divisional goals.
• Meet monthly with your manager to review performance goals and expectations outlined in the Mortgage Loan Office’s “Plan for Success.”
• Provide mortgage education and support to assigned retail branches.
• Support FNBO CRA & Fair lending requirements by:
  • Utilizing FNBO product mix supporting MMCT, Emerging Markets, LMI, and specified state bond loan programs.
  • Completing CRA Community Service Volunteer hours.
• Maintain and grow a comprehensive knowledge of current mortgage products, services, and operating procedures.
• Effectively utilize knowledge and resources to support team member competency development.
• Work collaboratively with internal mortgage partners to ensure customer files are processed efficiently and timely.
• Partner across all areas of FNBO to optimize referral opportunities and meet customer needs.
• Maintain internal and external partnerships to provide products and services.
• Proactively identify opportunities for the mortgage division to succeed and be best in class.
• Understand and comply with bank policy, laws, regulations, and the bank’s BSA/AML Program as applicable to your job duties.
• Exhibit professional behavior and promote positive working relationships.
• Maintain regular and predictable attendance.

Requirements

• High School Diploma or equivalent.
• Strong sales ability.
• Excellent verbal and written communication skills.
• Demonstrated customer service skills.
• Working knowledge of Microsoft Word and Excel applications.
• Open availability 8am-6pm Monday-Friday and 9am-1pm Saturday (Central Time).
• This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS). Qualification requirements include meeting applicable financial responsibility, character, credit fitness, and criminal background standards. Successful candidates must meet ongoing regulatory requirements, including acceptable background investigation and credit report results.
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Preferred Qualifications

• Knowledge of pricing and various underwriting requirements.
• 1+ years of experience in mortgage loan origination.
• Active Mortgage Originator with a pipeline.

Schedule

This role operates in a hybrid capacity, balancing in-person collaboration three (3) days a week at the corporate headquarters with remote flexibility two (2) days a week. Work location is subject to change based on business needs.

Benefits

• Medical, Dental, and Vision Insurance.
• 401k with matching contributions.
• Time Off Programs.
• Health Savings Account (HSA) and Dependent Care.
• Employee Banking.
• Growth Opportunities.
• Tuition Assistance.
• Short-Term and Long-Term Disability Insurance.

For compensation and benefit information related to this specific role, email FNBO at TAGAdmin@fnni.com and include the job number in the subject line.