Mortgage Loan Originator
Company: First Guaranty Bank
Location: Jennings
Posted on: May 24, 2023
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Job Description:
Great employees are essential to maintaining the confidence our
customers place in us. FGB believes that our employees are our
greatest asset as demonstrated in their professionalism and
dedication. We encourage open communication and strive to cultivate
an environment in which our employees will contribute new ideas and
innovations that will help us excel. As we grow, we want YOU to
join our team to help fulfill our mission of serving the banking
needs in our local communities.Our full-time employees are eligible
for amazing benefits including medical, dental, vision, and basic
life/AD&D insurance, prescription drug benefits, long term
disability, and salary continuance (short-term disability). In
addition, they get paid holidays, paid vacation and sick leave, a
tuition reimbursement program, 401k, section 125 cafeteria plan,
and the opportunity to earn FGB stock grants. Apply today to enjoy
these benefits and more!Position SummaryOriginates both conforming
and non-conforming residential mortgage loans. Applicant will
participate in related business development activities, generating
a network of referral sources.Essential Duties and
ResponsibilitiesProvide exceptional service to existing and
prospective customers seeking residential mortgage loans while
ascertaining their needs and the programs for which they
qualify.Conduct interviews with prospective mortgage loan
applicants, pull credit bureaus, and prepare early TRID disclosures
on all loan files before submitting to processing.Communicate daily
with mortgage processor to stay abreast of any changes or updates
to the loan file.Maintain prompt communication between all relative
parties to the transaction.Remain informed of new trends and
developments in the local real estate market, as well as changing
rules and regulations within both private and government sector of
mortgage lending.Make sales calls on potential and existing
customers developing new business and increase/retain existing
business relationships.Review documentation (i.e., credit report,
appraisal, legal commitment, insurance, taxes, etc.) and ensure all
information is correct before submitting to processing.Sell and
refer bank products and services to customers and prospects.Review
title requirements and exceptions for accuracy and
conformance.Coordinate the loan closing with all principals to the
transaction.Assist all bank lenders and loan assistants with
questions regarding mortgage loan programs and products.Adhere to
the BSA Policy and all other Bank Policies.Other duties and
responsibilities as assigned by supervisor.Minimum Qualifications
(Education, Experience, Skills)Minimum 3 years of mortgage loan
experience.Knowledge of mortgage processing, underwriting, and
closing procedures.Knowledge of conventional and government
underwriting guidelines.Knowledge of federal lending regulations
governing real estate transactions.Ability to multitask in an
ever-changing environment.Good organizational skills.Proficient in
Microsoft Office Suite.Ability to learn new software systems
quickly.Knowledge of Calyx a plus.High School Diploma
required.Physical Demands and Work EnvironmentThe physical demands
described here are representative of those that must be met by an
employee to successfully perform the essential functions of this
position. Reasonable accommodations may be made to enable
individuals with disabilities to perform the functions.While
performing the duties of this position, the employee is regularly
required to talk and hear. The employee frequently is required to
use hands or fingers, handle, or feel objects, tools or controls.
The employee is occasionally required to stand; walk; sit; reach
with hands and arms; climb or balance; and stoop, kneel, crouch, or
crawl.The employee must occasionally lift and/or move up to 25
pounds. Specific vision abilities required by this position include
close vision, distance vision, color vision, peripheral vision, and
the ability to adjust focus.The noise level in the work environment
is usually moderate.This job description in no way states or
implies that these are the only duties to be performed by the
employee(s) incumbent in this position. Employees will be required
to follow any other job-related instructions and to perform any
other job-related duties requested by any person authorized to give
instructions or assignments.All duties and responsibilities are
essential functions and requirements and are subject to possible
modification to reasonably accommodate individuals with
disabilities. To perform this job successfully, the incumbents will
possess the skills aptitudes and abilities to perform each duty
proficiently. Some requirements may exclude individuals who pose a
direct threat or significant risk to the health or safety of
themselves or others. The requirements listed in this document are
the minimum levels of knowledge, skills or abilities.This document
does not create an employment contract, implied or otherwise, other
than an "at will" relationship.FIRST GUARANTY BANK is an EEO
employer - M/F/Vets/DisabledEqual Opportunity Employer/Protected
Veterans/Individuals with DisabilitiesThe 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)
Keywords: First Guaranty Bank, Lake Charles , Mortgage Loan Originator, Other , Jennings, Louisiana
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