CRA Mortgage Loan Originator

Job Overview

First Financial Bank (FFB) CRA Mortgage Loan Originator
- Originates mortgage loans sourced through referral partners, communityorganizations, housing agencies, local business leaders, realtors, andother referral sources.

- Focuses on promoting mortgage lending options in Low to Moderate Income (LMI) areas to increase home ownership within these communities.

- Self‑sources mortgage leads, converts them into applications, presentspersonalized mortgage products, and manages borrower documentation.

- Works with internal departments to ensure a superior customer experience and timely loan closing.

• Consistently achieves monthly loan production volume as specified in theMLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Responsible for developing and maintaining a business plan for growth ofthis 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 mortgageproducts and services, or provides referral to appropriate specialist within the Bank.
• Prepares and compiles mortgage applications 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 mortgagecustomers 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.
• Provides data to support marketing and sales promotion programs.
• Works directly with Community Development Operating Council toassist with CRA loan initiatives in local market.
• Other duties may be assigned.

• Minimum of 2 years experience originating CRA residential mortgages(4 years preferred).
• Must have an established referral network to provide CRA mortgageleads.
• 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 a four‑year college or university, or equivalent combination of education and experience.
• Must have or be able to obtain Mortgage Loan Originator License withNMLS.
• Must be trained in all areas of mortgage lending.
• Must maintain employer and industry required continuing education.

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 Bank Secrecy Act, Anti‑Money Laundering, OFAC and Suspicious Activity reporting requirements, and other lending anddeposit compliance requirements.

$23.56 – $26.44 per hour.

Relevant, thoughtful benefits and programs that support the holisticwellbeing of associates. Please review our Benefits Guide. Incentiveeligibility applies to all roles (except Co‑Op, Intern, or Studentpositions).

We are an E‑Verify Employer. We do not discriminate against any individual in violation of federal, state, and local laws as itrelates 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.