Senior Mortgage Loan Originator

About the role

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day.

Office Location: Houston, Texas, United States

Responsibilities

The incumbent is responsible for providing secondary market loans to consumers. The incumbent has extensive contacts on a daily basis with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to insure a competitive product that meets the customer's needs.

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities;
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives;
• Advises customers of product/pricing policies and guidelines and gathers any additional required information;
• Continually identifies, develops and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities;
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements;
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

Qualifications

Minimum Qualifications include a high school diploma or equivalent and five years of experience in a financial institution in lending or lending support functions.

• Working knowledge of mortgage lending and laws/regulations procedures is necessary.
• Strong knowledge of mortgage lending and mortgage laws and regulations is necessary.
• Must be familiar with TILA, RESPA Integrated Disclosures, Know Before You Owe, FNMA, FHLMC, FHA and VA regulations and guidelines as well and other loan programs offered.
• Proficiency in Microsoft Word, Excel, and related computer applications is necessary.
• Professional demeanor, effective communication, organizational and interpersonal skills are also required.
• Accuracy, attention to detail and mental concentration are necessary for accurately performing tasks with frequent interruptions.
• Ability to meet deadlines is essential.
• Must be able to work extended hours as business requires.