Mortgage Loan Originator

First Farmers & Merchants Bank•Chattanooga, TN

6h•Hybrid

About The Position

The Mortgage Loan Originator is responsible for business development and mortgage lending activities throughout the Chattanooga market. The role focuses on developing and nurturing relationships with real estate professionals, expanding the bank’s presence, and supporting business growth. The originator guides clients through the mortgage process, analyzes financial information, recommends suitable lending options, and provides tailored financing solutions. Regular in-market presence and relationship-building activities are required; hybrid work flexibility may be available.

Requirements

High school diploma or equivalent.
Strong communication and relationship-building skills.
Ability to analyze financial information and make sound recommendations.
Knowledge of mortgage lending practices and regulations.
Team-oriented approach and commitment to excellent customer service.
Sales-oriented approach and comfort managing multiple tasks.

Responsibilities

Meet with mortgage applicants to understand their financial needs and review initial loan requests.
Evaluate borrower information and recommend loan products suited to clients’ goals.
Submit complete loan applications and supporting documentation for processing.
Monitor loan progress and keep clients informed from application through post-closing.
Work with the Mortgage Loan Originator Assistant to ensure files are complete, accurate, and properly secured.
Negotiate loan terms and structure financing packages based on risk and credit considerations.
Present loan recommendations for approval in accordance with bank policies.
Support the bank’s relationship-focused culture through product knowledge and proactive communication.
Build positive relationships with customers, prospective clients, real estate professionals, and team members.
Help coordinate workflow and contribute to a supportive team environment.
Promote department and company goals through collaboration.
Follow company policies, procedures, lending regulations, and industry standards.