CRA Mortgage Loan Originator

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! As a First Financial Bank (FFB) CRA Mortgage Loan Originator, you will originate mortgage loans sourced through your established referral partners, community organizations, trade organizations, local business leaders, realtors, and other referral sources. The position will have primary focus on promoting mortgage lending options in Low to Moderate Income (LMI) areas to promote home ownership within these communities. The position will be required to self-source mortgage leads, convert into applications, present personalized mortgage products and solutions to potential customers, produce required disclosures, procure intent to proceed, collect borrower documents needed to satisfy loan conditions, and work with internal departments to ensure a superior customer experience and timely loan closing. Essential Functions/Responsibilities Consistently achieves monthly loan production volume as specified in the MLO Agreement. Generates new business to assist in meeting established CRA and fair banking goals. Responsible for developing and maintaining business plan for growth of this business area. Networks with community organizations, local business leaders, housing trade organizations, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products. Evaluates needs of potential customers and offers appropriate mortgage products and services, or provides referral to appropriate specialist within the Bank. Prepares and compiles mortgage application and information for processing of mortgage loan applications generated. Ensures completeness of loan documentation. Oversees timely closing and funding of loans. Provides ongoing relationship servicing with current mortgage customers to maintain goodwill and gain additional business. Responds to mortgage inquiries and assist with mortgage servicing requests Promotes and refers other bank products and services as appropriate to customer requirements. Provides data to support marketing and sales promotion programs. Works directly with Community Development Operating Council to assist with CRA loan initiatives in local market. Host consumer education events with internal and external partners. Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job Minimum of 2 years experience originating CRA residential mortgages. Bachelor's degree (B.A.) from four-year college or university; or four years related experience and/or training; or equivalent combination of education and experience. Must have existing referral network established to provide CRA mortgage leads. Must have prior experience using loan originating software and MS Office products. Strong product knowledge and underwriting requirements for Government (FHA, VA, USDA) and CRA specific mortgage programs. Must have or ability to obtain Mortgage Loan Originator License with NMLS. Must be trained in all areas of mortgage lending. Must maintain employer and industry required continuing education. Preferred Knowledge and Skills 4 years experience originating CRA residential mortgages Bilingual proficiency in Spanish and English is preferred Level of Complexity and Scope Manages routine to moderately complex residential mortgage loan origination with an emphasis on CRA, government loan products, UW requirements, and compliance expectations. Manages the mortgage origination process from lead generation through application, documentation, disclosures, and coordination with internal partners through closing. Degree of Independence and Decision-Making Works independently within established bank policies, mortgage lending guidelines, CRA objectives, and regulatory requirements. Assess Required Supervisory Responsibilities No required supervisory responsibilities Physical Requirements Performs duties in an office or desk setting with extended periods of sitting and working at a computer. Must be able to operate standard office equipment. Must be able to occasionally lift and carry 15 pounds Occasional walking, standing, or traveling to off-site meetings, real estate offices, or community events may be required. Compliance Statement The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements. Pay Range $23.56- $28.36/hour Benefits We have relevant, thoughtful benefits and programs that s #J-18808-Ljbffr bankatfirst