CRA Mortgage Loan Originator

First Financial Bank (FFB) CRA Mortgage Loan Originator

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

• Consistently achieve monthly loan production volume as specified in the MLO Agreement.
• Generate new business to assist in meeting established CRA goals.
• Develop and maintain a business plan for growth of this business area.
• Network with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products.
• Evaluate needs of potential customers and offer appropriate mortgage products and services, or refer to a specialist within the Bank.
• Prepare and compile mortgage application and information for processing of mortgage loan applications generated.
• Ensure completeness of loan documentation.
• Oversee timely closing and funding of loans.
• Provide ongoing relationship servicing with current mortgage customers to maintain goodwill and gain additional business.
• Respond to mortgage inquiries and requests regarding accounts.
• Promote and cross‑sell other bank products and services as appropriate to customer requirements.
• Provide data to support marketing and sales promotion programs.
• Work directly with the Community Development Operating Council to assist with CRA loan initiatives in the local market.
• Perform other duties as assigned.

• Minimum of 2 years experience originating CRA residential mortgages (4 years preferred).
• Existing referral network established to provide CRA mortgage leads.
• 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 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 ability 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.

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 all Bank Secrecy Act, Anti‑Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Pay Range: $23.56 – $26.44 per hour.

Benefits:
We offer relevant, thoughtful benefits and programs that support every aspect of associates’ holistic wellbeing. Please review our Benefits Guide. All roles are incentive eligible except for Co‑Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates 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. We are an E‑Verify Employer.