Mortgage Loan Originator

• Help customers achieve home ownership by delivering a helpful, easy, and personal mortgage experience
• Understand and communicate the mortgage journey from beginning to end
• Develop relationships with existing and new customers and advise them on suitable mortgage products
• Identify and close loan opportunities aligned with revenue and profit goals
• Provide outstanding customer experiences through advice and guidance on mortgage loans
• Originate and close mortgage loans while ensuring compliance and file accountability
• Collect and input complete applications using the FNBO Mortgage system
• Set proper expectations and deliver on customer promises throughout the process
• Consult with clients about current and future mortgage needs
• Increase revenue and reduce expenses
• Provide timely and professional written and verbal product solutions
• Meet or exceed monthly and annual sales goals
• Review performance goals and expectations monthly with the manager
• Provide mortgage education and support to assigned retail branches
• Support FNBO CRA and Fair Lending requirements
• Maintain knowledge of current mortgage products, services, and operating procedures
• Support team member competency development
• Collaborate with internal mortgage partners to process customer files efficiently and timely
• Partner across FNBO to optimize referral opportunities
• Maintain internal and external partnerships
• Identify opportunities for the mortgage division to be successful and best in class
• Comply with bank policy, laws, regulations, and the BSA/AML Program
• Exhibit professional behavior and promote positive working relationships
• Maintain regular and predictable attendance

• 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
• Knowledge of pricing and various underwriting requirements desired
• 1+ years of experience in mortgage loan origination desired
• Active Mortgage Originator with a pipeline desired
• S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS) required
• Must meet applicable financial responsibility, character, credit fitness, and criminal background standards
• Must meet ongoing regulatory requirements, including acceptable background investigation and credit report results
• Must possess unrestricted work authorization and not require future sponsorship

Demonstrates expertise in mortgage loan origination, compliance with regulatory requirements, and delivering exceptional customer service. Possesses strong sales abilities and effective communication skills to foster relationships and achieve revenue goals.

• Mortgage Loan Origination
• S.A.F.E. Act Registration
• Customer Service Skills
• Sales Ability
• Microsoft Word and Excel

• Mortgage Products Knowledge
• Underwriting Requirements
• Loan Closing
• Application Processing
• Revenue Generation
• File Accountability
• Compliance with BSA/AML
• Mortgage Education
• Performance Goal Review
• Pipeline Management

• Verbal Communication
• Written Communication
• Relationship Building
• Professional Behavior
• Team Collaboration

• NMLS Registration

• Mortgage Journey
• Customer Experience
• Financial Responsibility
• Credit Fitness
• Background Investigation

• FNBO Mortgage System