Mortgage Loan Originator

Company Description Fox Valley Savings Bank (FVSBank) is a community-focused financial institution serving Northeastern Wisconsin, including Fond du Lac, Oshkosh, Waupun, and surrounding areas. Founded in 1934 in Fond du Lac, the bank has grown to offer a full range of services comparable to larger banks while maintaining local decision-making and personalized service. FVSBank provides secure deposit options and trusted lending solutions to individuals, families, and small- to medium-sized businesses.

The organization emphasizes building genuine relationships with customers and partners, reflecting the values of the local communities it serves.

Job Summary: Originates residential mortgage and consumer loans from application through closing while ensuring compliance with all applicable federal and state lending regulations, maintaining a quality loan pipeline, developing referral relationships, and providing exceptional customer service throughout the lending process.

Attains Bank, department and individual goals related to Mortgage and Consumer Banking .

Essential Functions:

• Proactively develops business.
  
  Actively partners with key referral sources including local realtors, developers, construction companies and other financial institutions. Conducts outbound prospecting activities, including calls, referrals, networking events, community involvement, and realtor outreach.
• Establishes and maintains strong relationships with existing and potential real estate customers.
  
  Supports and implements all marketing efforts related to Mortgage Banking. Represents FVSBank in the community.
• Conducts borrower interviews and prequalification assessments to identify appropriate loan products and determine borrowing capacity.
• Receives and screens loan applications, requests credit status, banking and other references.
  
  Obtains and reviews required documentation including income verification, tax returns, bank statements, purchase contracts, title information, and appraisal-related documentation
• Corresponds with applicants or creditors to resolve questions regarding application.
  
  Collects, analyzes and presents borrower financial information for underwriting evaluation. Communicates loan status and decisions in accordance with Bank policies and regulatory requirements.
• Ensures timely delivery of required disclosures and assists borrowers with understanding loan documents and closing requirements.
• Addresses customer concerns and takes appropriate action to resolve them.
• Coordinates with processors, underwriters, appraisers, title companies, attorneys, and closing agents to facilitate efficient loan processing and timely closings.
• Maximize customer relationships by referring additional banking products across all banking services at each mortgage closing.
• Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
• Promotes fair and responsible lending practices and ensures all applicants are treated consistently and fairly in accordance with Fair Lending, Equal Credit Opportunity Act (ECOA), and Fair Housing requirements.
• Ensures compliance with all applicable federal and state lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Housing Act, SAFE Act, Flood Insurance regulations, Anti-Money Laundering (AML), Bank Secrecy Act (BSA), OFAC, and the Bank's policies and procedures.
• Maintains educational and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional, civic and community groups
• Conducts oneself in accord with the Bank’s Core Values.

The job duties listed are in no way all encompassing.

Other duties, responsibilities and qualifications may be required and/or assigned as necessary.

This position requires regulatory compliance.

Position Requirements:

Education

• High School Diploma or equivalency, required
• Bachelor’s degree or equivalent work experience, preferred

Experience

• 5 years or more of loan origination experience, preferred

Licensing

• Register and maintain licensing with the NMLS

Other Skills

• Excellent communications skills, verbal and written
• Sales skills
• Organizational skills
• Decision making/creative problem-solving skills
• Ability to deal with customers with tact, diplomacy and confidentiality

Physical Requirements

• The ability to sit for lengthy periods of time
• Frequent use of computer, calculator and other office equipment
• Travel to our branch locations, including driving of vehicle

FVSBank is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation or protected veteran status.