Residential and Consumer Lender - Northern Ohio

First National Bank • Bellevue, OH

3d • Hybrid

About The Position

Join a Legacy. Build the Future. Now hiring: Residential/Consumer Lender, Full Time. For 151 years, at First National Bank, we’ve helped our neighbors open doors – both literally and figuratively. As a trusted name in community banking, we’re not just celebrating a milestone – we’re investing in the next generation of lenders who will carry our values forward. If you are passionate about helping individuals and families find financial solutions for their biggest dreams, and you’re ready to join a team where tradition meets innovation, we’d love to meet you! Bring your lending expertise to a place where relationships matter and where your work shapes lives for the better. Help us write the next chapter of our story, because after 150 years, we’re just getting started.

Requirements

• Two or more years of sales experience or 3 years of banking and/or previous Mortgage Loan Origination experience.
• Ability to analyze and interpret financial statements, visual and auditory skills.
• Outstanding communication and interpersonal abilities.
• Proficient reading, writing, grammar, mathematics skills and word processing and spreadsheet skills.
• Excellent interpersonal relations and oral and written communicative skills.
• Excellent organizational and multi-tasking skills.
• Current knowledge of or the ability to quickly learn/obtain the following: Underwriting requirements for FNMA, FHLMC, FHA, local bond programs and private investors
• Local, state and national laws and lending regulations (e.g. zoning ordinances, Truth-in Lending, RESPA, (TRID) Rule
• Knowledge of the Realtor/Builder segment of the Mortgage industry
• Comprehensive, working knowledge of HELOC’s and Fixed Seconds
• Comprehensive, working knowledge of all consumer loans
• Knowledge of local Real Estate community.
• Must have a valid driver’s license and be able to travel by vehicle to customer locations/branches/meetings/seminars, and so forth.

Nice To Haves

• A.B.S. or B.A. or B. S. degree in a related field of study.

Responsibilities

• Work with assigned branch office(s) to ensure awareness of residential and consumer loan products and policies.
• Responsible for the overall performance of the bank’s residential and consumer loan portfolio and for developing new and maintaining existing business. Handle referrals from each branch office and provide appropriate follow-up feedback.
• Maintain knowledge of First National Bank Company policies and procedures
• Maintain knowledge of available loan products, processing procedures, underwriting and general departmental guidelines, and changes in regulations as they occur from time-to-time.
• Monitors residential loan repayment activities and takes necessary action to collect delinquent accounts.
• Take residential applications by completing Fannie Mae form 1003 in mortgage origination software.
• Take consumer applications by completing the standard consumer application in the consumer lending origination software.
• Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management.
• Develop and manage pipelines for all originated loans through closing and complete required management reports.
• Responsible for portfolio management
• Communicate with branches and/or applicants by providing timely updates and progress reports.
• Maintain high levels of customer service while managing each applicant’s and support staff’s expectations.
• Attend and participate in all Consumer Lending meetings as required
• Advising potential Borrowers regarding appropriate loan programs and processes
• Participates in community affairs and organizations to increase the bank’s visibility and to enhance new business opportunities.
• Creating and Executing a Business Development Plan
• Initiating and maintaining contact with Realtors, Builders, and any potential referral source within assigned territory to inform them of loan products and other services offered by First National Bank.

Benefits

• Medical/Dental/Vision premiums covered 100% for employees enrolled at the individual (employee only) level.
• 401k with company match
• Medical/Prescription coverage
• HSA option
• Life insurance options including company paid life insurance
• Short and Long Term Disability
• Paid holidays
• PTO
• Tuition reimbursement
• Wellness programs
• Potential for profit-sharing and bonuses.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree