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First Financial Bank

Mortgage Loan Officer

First Financial Bank, Abilene, Texas, us, 79608

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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:

Fort Worth, Texas, United States

Scope and Contacts The incumbent is responsible for providing secondary market mortgage loans to consumers. They have extensive contacts daily with bank customers and personnel, as well as outside contacts with real estate brokers, builders, title companies, private mortgage insurance companies, attorneys, and other related entities to ensure a competitive product that meets customer needs.

Essential Functions:

Proactively solicit 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.

Conduct interviews with prospective borrowers to analyze financial and credit data and determine customer financing objectives.

Advise customers on product and pricing policies and guidelines and gather any additional required information.

Identify, develop, and maintain a quality network of personal and business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.

Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements.

Demonstrate a commitment to professional ethics.

Participate in job-specific training and other bank training programs as required.

Comply with all federal and state laws and regulations, including BSA, AML, and all bank policies and procedures.

Perform other duties as assigned.

Actively participate in the sales and service culture, support organizational values, and follow established bank policies and procedures.

Minimum Qualifications:

High school diploma or equivalent.

At least two years of mortgage loan experience and one year of real estate or sales experience.

A bachelor's degree in real estate or finance may substitute for experience.

Working knowledge of mortgage lending laws, regulations, and procedures.

Familiarity with FNMA, FHLMC, FHA, and VA regulations and guidelines, as well as other loan programs.

Proficiency in Microsoft Word, Excel, and related applications.

Ability to work with limited supervision.

Professional demeanor, effective oral communication, and interpersonal skills.

The above statements reflect the general details necessary to understand the principal functions of the job and should not be construed as a detailed description of all work requirements.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discriminate against employees or applicants based on inquiries or discussions about pay, except as legally permitted. Access to compensation information is restricted to those whose job functions require it, and disclosures are limited accordingly.

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