CRA Mortgage Loan Originator

Position Overview

As a First Financial Bank (FFB) CRA Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, community organizations, housing agencies, local business leaders, realtors, and other referral sources. The position will have primary focus on promoting mortgage lending options in Low to Moderate Income (LMI) areas to promote home ownership within these communities. The position will be required to self‑source mortgage leads, convert them into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing.

• Consistently achieves monthly loan production volume as specified in the MLO Agreement.
• Generates new business to assist in meeting established CRA goals.
• Responsible for developing and maintaining business plan for growth of this 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 mortgage products and services, or provides referral to appropriate specialist within the Bank.
• Prepares and compiles mortgage application 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 mortgage customers 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 to assist 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 existing referral network established to provide CRA mortgage leads.
• Must have 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 four years related experience and/or training; or equivalent combination of education and experience.
• Must have or be able to obtain Mortgage Loan Originator License with NMLS.
• Must be trained in all areas of mortgage lending.
• Must maintain employer and industry required continuing education.

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide. All roles are incentive eligible with the exception of Co‑Op, Intern, or Student positions.

• Seniority level:
  Entry level
• Employment type:
  
  Full-time
• Job function:
  Finance and Sales
• Industries:
  Banking, Financial Services, and Investment Management

We are an E‑Verify Employer. An Equal Employment Opportunity policy prohibits discrimination against any individual on the basis of 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.