Mortgage Loan Originator – Orange

We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description

Office Location:

Orange, TX

Scope/Responsibilities

Incumbent is responsible for providing secondary market loans to consumers. The incumbent has extensive contacts daily with Bank customers and personnel as well as outside contact with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities to ensure a competitive product that meets the customer’s needs.

Essential Functions

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives.
• Advises customers of product/pricing policies and guidelines and gathers any additional required information.
• Continually identifies, develops, and maintains a quality network of personal and business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements.
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.
• Other duties as assigned.
• Actively participate in the sales and service culture, support the values of the organization and follow established Bank policies and procedures.

Minimum Qualifications

• High school diploma or equivalent
• Two years of experience in a financial institution in lending or lending support functions.
• Working knowledge of mortgage lending and laws/regulations procedures is necessary.
• Strong knowledge of mortgage lending and mortgage laws and regulations is necessary.
• Must be familiar with TILA, RESPA Integrated Disclosures, Know Before You Owe, FNMA, FHLMC, FHA and VA regulations and guidelines as well and other loan programs offered.
• Proficiency in Microsoft Word, Excel, and related computer applications is necessary.
• Professional demeanor, effective communication, organizational and interpersonal skills are also required.
• Accuracy, attention to detail and mental concentration are necessary for accurately performing tasks with frequent interruptions.
• Ability to meet deadlines is essential.
• Must be able to work extended hours as business requires.

The above statements reflect the general requirements considered necessary to perform the principal functions of the job identified and shall not be construed as a detailed description of all work elements that may be inherent in the job.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)