Loan Originator

First National Bank Texas•Amarillo, TX

About The Position

The Loan Originator originates high-quality loans that meet FCMC guidelines and develops business relationships with local real estate agents, builders, bank partner store management teams, and other contacts. The role manages a territory covering First National Bank Texas and First Convenience banks, trains employees on mortgage loan basics, and communicates with borrowers and real estate agents throughout the loan process. The Loan Originator takes customer loan applications, including pulling credit, and issues and explains pre-qualification letters, disclosures, and initial compliance documentation, including Good Faith Estimates, Truth-in-Lending disclosures, and APR information. The role also conducts presentations such as first-time homebuyer seminars, realtor sales meetings, and product training. Depending on location and business needs, the position may also serve as a general office manager, handling general correspondence, supply maintenance, and clerical staff schedules. It may act as a liaison between position locations and corporate management regarding office incidents, business needs, and client concerns. Travel may be required to meet business needs. Position level depends on internal and external experience.

Requirements

High school diploma or equivalent.
At least 18 years of age.
Two or more years of recent in-person mortgage origination experience with a solid book of business.
Experience in a commission-based origination role.
Knowledge of VA, FHA, and conventional mortgage loan programs.
Knowledge of running LP, DU, and Clout automated underwriting systems.
Experience with Ellie Mae mortgage originating and processing software.
Self-motivation and ability to work from a home office with limited supervision.
Ability to review and understand credit reports.
Ability to organize and prioritize.
Good communication and presentation skills.
Must successfully pass a background investigation according to company policy.
Ability to get along with co-workers and work effectively in a team environment.
Ability to remain sitting and/or standing for extended periods.
Ability to operate a computer and other office machinery.
Ability to lift up to 25 pounds.

Responsibilities

Originate high-quality loans that meet FCMC guidelines.
Develop business relationships with local real estate agents and builders.
Manage the territory of First National Bank Texas and First Convenience banks, and train employees on mortgage loan basics.
Develop contacts with bank partner store management teams.
Take customer loan applications, including pulling credit.
Conduct presentations, including first-time homebuyer seminars, realtor sales meetings, and product training.
Communicate with borrowers and real estate agents throughout the loan process.
Issue and explain pre-qualification letters, disclosures, and initial compliance documentation, including Good Faith Estimates, Truth-in-Lending disclosures, and APR information.
Depending on location and business needs, perform general office manager duties, including general correspondence, supply maintenance, and clerical staff scheduling.
Serve as an acting liaison between position locations and corporate management regarding office incidents, business needs, and client concerns, as needed.
Travel as needed to meet business needs.
Maintain regular and predictable attendance and punctuality.
Perform other duties as assigned.