What are the responsibilities and job description for the Mortgage Officer position at First Financial Bank Texas?
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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:
Houston, Texas United States
SCOPE/CONTACTS: Incumbent is responsible for providing secondary market mortgage loans to consumers. The incumbent has extensive contacts on a daily basis 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 insure a competitive product that meets the customer's needs. Administers all secondary market duties that aid in selling and purchasing loans. Reviews each loan transaction and compares lock commitment to purchase advice.
Essential Functions
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)
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:
Houston, Texas United States
SCOPE/CONTACTS: Incumbent is responsible for providing secondary market mortgage loans to consumers. The incumbent has extensive contacts on a daily basis 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 insure a competitive product that meets the customer's needs. Administers all secondary market duties that aid in selling and purchasing loans. Reviews each loan transaction and compares lock commitment to purchase advice.
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.
- High school graduate or equivalent
- Four years mortgage experience are required.
- Knowledge of mortgage lending, laws/regulations procedures and be familiar with FNMA, FHLMC, FHA and VA regulations and guidelines as well and other loan programs offered.
- Incumbent must be able to work with little supervision.
- Good organizational, communications, and customer relations skills are required.
- Attention to detail and mental concentration are necessary for accurately performing tasks, prioritizing workload, meeting deadlines, and handling frequent interruptions.
- Effective oral communication and interpersonal skills are essential.
- Professional demeanor is also essential.
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)
