Mortgage Loan Originator, Community Lender - Greeley

First National Bank of Omaha•Greeley, CO

24d•$62,047 - $102,377•Onsite

About The Position

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary of the Job: Proficiency in English and Spanish is required to be considered for this opportunity As a Community Mortgage Lender, you will have the opportunity to help customers achieve their dream of homeownership, to help existing homeowners refinance, save money through better interest rates and access their home equity to consolidate debt or do home improvements. Your primary goal and focus will be to serve customers in low to moderate income geographies, minority communities, and low to moderate income borrowers. This will help the bank fulfill and exceed its Fair Lending and CRA mortgage responsibilities. You will create new business from existing customers and source new customers by establishing partnerships with various community partners. This will include realtor professionals, financial service providers such as insurance agents and accountants, nonprofit agencies, community organizations and neighborhood groups, local government community outreach departments, educational institutions, libraries, and churches. Where we have local FNBO presence, you will partner with branch staff to support our initiatives. There is a strong education component to your work. You will look for financial education and homeownership workshop opportunities with community partners to advise people on the steps to homeownership. Community involvement is another key component of your work. This means you will participate in select community events to promote FNBO, our work, products, and services. You will also engage in community activities designed to promote financial stability and access to homeownership.

Requirements

Established in the community with connections in “assigned geographic area”.
Experienced in community outreach, building relationships, and developing outside referral partnerships.
Ability to travel between FNBO locations and community partners.
Proficiency in English and Spanish
High School Diploma or equivalent.
Ability to provide advice and guidance to customers on best product.
Excellent verbal and written communication skills.
Demonstrated customer service skills.
Working knowledge and understanding of CRA, community development, Fair Lending, and terms such as MMCT and LMI Tracts, LMI borrowers.
Working knowledge of Microsoft Word and Excel applications
This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NLMS).
Candidates must possess unrestricted work authorization and not require future sponsorship.

Nice To Haves

1+ years of experience in mortgage loan origination and specifically in Community Mortgage Lending
Active Mortgage Originator with a pipeline
Knowledge of mortgage operating systems, pricing, and various underwriting requirements.

Responsibilities

Represent both yourself and FNBO with the highest level of professionalism, integrity, and respectfulness in your community.
Provide expert advice and guidance on mortgage loans with best interests of the customer always in mind.
Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.
Give an excellent customer experience by setting proper expectations and making sure we deliver on our promise throughout the process.
Meet and/or exceed defined monthly sales goals and contribute to our overall divisional goals for lending in MMCT’s, LMI Tracts, LMI borrowers, and CRA service hours.
Create and execute on a personal business plan which gives detail to your lead generating business activities. Your plan should align with the overall FNBO Mortgage Division plan.
Establish strong relationships and partnerships with various community partners to include chambers of commerce, professional, business networking, non-profits, and industry groups.
Maintain and grow a comprehensive knowledge of mortgage products and services and specifically those that benefit and serve low to moderate income borrowers and minority communities.
Work in a collaborative manner with internal mortgage partners to ensure customer files are processed in an efficient and timely fashion.
Establish strong connections with community partners to source new customers and create opportunities for financial education and homeownership workshops.
Participate in community events and outreach to promote FNBO products and services and contribute time to community activities focused on financial literacy and access to homeownership resulting in new business leads from LMIs and MMCTs.