Mortgage Loan Originator

First Financial Bank Cincinnati , OH 45201

Posted 7 days ago

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

If you are interested and qualified for this role, we invite you to apply.

As a First Financial Bank (FFB) Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, our retail banking branches, internal departments, and marketing efforts to builders, realtors, and other referral sources. The position will be required to self-source mortgage leads, convert 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.

Essential Functions/Responsibilities:

  • Consistently achieves monthly loan production volume as specified in the MLO Agreement.

  • Generates new business to assist in meeting established profitability goals.

  • Responsible for developing and maintaining business plan for growth of this business area.

  • Networks with assigned bank branches, internal departments, employees, local organizations/businesses, realtors, builders, and other referral sources to generate mortgage leads.

  • 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 from assigned branches.

  • 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 sales manager to assist with CRA loan initiatives in local market.

  • Other duties may be assigned.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job:

  • Minimum of 2 years' experience originating residential mortgages, 4 years preferred.

  • Must have existing referral network established to provide mortgage leads.

  • Must have prior experience using loan originating software and MS Office products.

  • Strong product knowledge and underwriting requirements for Conventional and Government (FHA, VA, USDA) mortgage programs.

  • Bachelor's degree (B.A.) from 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.

Preferred Knowledge and

  • Level of Complexity and Scope:

  • Degree of Independence and Decision-Making:

  • Required Supervisory Responsibilities:

  • Physical Requirements:

  • Compliance Statement: 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.

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.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Mortgage Loan Originator

Republic Bancorp, Inc.

Posted 2 months ago

VIEW JOBS 2/10/2019 12:00:00 AM 2019-05-11T00:00 POSITION PURPOSE AND OBJECTIVES: The Mortgage Loan Originator performs a wide range of duties related to the origination of residential 1st mortgages. Meets standards, objectives and goals set forth by management for originating loans and cross-selling products and services of the bank. MINIMUM QUALIFICATIONS: * College degree or equivalent experience preferred. * Demonstrated high level working knowledge of residential conventional/government mortgage processing, underwriting, and closing guidelines. * Mortgage sales experience required. * Demonstrated proficiency in Microsoft Office programs; Word, Excel, PowerPoint & Outlook. * NMLS registration required* ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES: * Develop referral contacts (realtors, builders, professionals and personal contacts) for 1st mortgage loans. * Manage a portfolio with a minimum of $6 million dollars in mortgage loans. * Interview clients and gather information pertaining to their unique financial situations, needs and objectives. * Consult with clients about current and future needs to help achieve their financial goals * Advise and educate clients on the home buying process and how to better manage their mortgage. * Assist client through the loan process from application to closing. * Maintain knowledge of available loan products, processing procedures and underwriting guidelines. Collect appropriate documentation from applicants in time frames established by management. * Deliver exceptional levels of customer service and communicate with both applicants and internal support staff with timely updates and progress reports. * Managing a pipeline for all originated loans to the closing. * Execute effective marketing plans to meet or exceed mortgage production goals. * Attend and participate in all mortgage lender meetings and training as required by management. * Willingly performs all other projects and duties as assigned. INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED: * Excellent verbal and written communications skills. * Must be self-motivated and work well in a team environment. * Strong sales technique skills. * Desire to excel in a competitive environment. * Excellent organizational skills. * Requires a high energy level and strong sense of urgency. PHYSICAL REQUIREMENTS: The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate. OTHER REQUIREMENTS: * Travel between Republic Banking facilities is required. * Occasional out-of-town travel is required. * Requires a flexible work schedule that will include some evening and weekend work. * Stay abreast of new developments, best practices, and statutory and regulatory changes. The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities or requirements. * This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations as defined by the SAFE Act must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in corrective counseling up to termination of employment. Republic Bancorp, Inc. Cincinnati OH

Mortgage Loan Originator

First Financial Bank