Loan Originator

First National Bank Texas•Amarillo, TX

About The Position

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

Requirements

High school diploma or equivalent.
At least 18 years of age.
At least 2 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 coworkers and work effectively in a team environment.

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.
Train employees on mortgage loan basics.
Develop contacts with the bank's partner store management team.
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 management duties, including correspondence, supply maintenance, and clerical staff scheduling.
Serve, when needed, as a liaison between work 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.