Loan Originator - Multi Location

First National Bank Texas•Killeen, TX

8h•Hybrid

About The Position

This position is responsible for originating high-quality loans that meet FCMC guidelines. The Loan Originator will develop business relationships with local Real Estate agents and builders, manage territories for First National Bank Texas and First Convenience banks, and train employees on mortgage loan basics. They will also develop contacts with Bank partner store management teams, take customer loan applications (including pulling credit), and conduct presentations such as First Time Home Buyer Seminars, realtor sales meetings, and product training. The role involves communicating with borrowers and real estate agents throughout the loan process, and issuing/explaining pre-qualification letters, disclosures, and initial compliance documentation. Depending on location and business needs, this position may also serve as a general office manager, handling correspondence, supply maintenance, and clerical staff schedules. Additionally, it may act as a liaison between locations and corporate management regarding office incidents, business needs, and client concerns. Travel is required as needed, and regular, predictable attendance and punctuality are essential. Other duties may be assigned.

Requirements

High School Diploma or Equivalent
At least 18 years of age
2 or more years of recent in-person mortgage origination experience with a solid book of business
Experience within 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 capable of working 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 background investigation according to company policy
Must be able to get along with co-workers and work effectively in a team environment

Responsibilities

Originate high quality loans which meet FCMC guidelines
Develop business relationships with local Real Estate agents and builders
Manage territory of First National Bank Texas and First Convenience banks
Train employees on mortgage loan basics
Develop contacts with Banks partner store management team
Take customer loan applications, including pulling credit
Conduct presentations to include First Time Home Buyer Seminars, realtor sales meetings, product training, etc.
Communicate with borrowers and real estate agents throughout the loan process
Issue and explain pre-qualification letters, disclosures and all other initial compliance documentation for borrower; includes Good Faith Estimates, Truth-In-Lending and APR
Serve as a general office manager (depending on location and business need), including general correspondence, supply maintenance, and clerical staff schedules.
Serve as acting liaison between position locations and corporate management regarding office incidents, business needs, and client concerns.
Travel as needed to meet business needs
Maintain regular and predictable attendance and punctuality
Perform other duties as assigned