Mortgage Loan Originator, Centralized Mortgage

Key Accountabilities:

• Provide an outstanding customer experience by listening to the needs of the customer and providing 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.
• Give an excellent customer experience by setting proper expectations and making sure we deliver on our promise throughout the process.
• 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 our overall divisional goals.
• Meet monthly with 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 CRA Community Service Volunteer hours.
• Maintain and grow a comprehensive knowledge of current mortgage products, services, and operating procedures.
• Effectively utilize knowledge and all resources available to support team member competency development.
• Work in a collaborative manner with internal mortgage partners to ensure customer files are processed in an efficient and timely fashion.
• Partner across all areas of FNBO to optimize referral opportunities to meet the needs of the customer.
• Maintain internal and external partnerships to provide products and services.
• Proactively identify areas of opportunities for the mortgage division to be successful and 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.
• Main regular and predictable attendance.

Knowledge, Skills, Education, Experience, and Physical Qualifications

Required:

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 M-F and 9am-1pm Saturday (central time) Desired:
Knowledge of pricing and various underwriting requirements 1+ years of experience in mortgage loan origination Active Mortgage Originator with a pipeline 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.

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer
- Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants).

We offer a variety of benefits designed to keep you and your family physically and…