What are the responsibilities and job description for the CRA Mortgage Loan Officer position at First Horizon?
Location: On site at location listed in job posting.
Summary:
A Mortgage – CRA Loan Officer I is primarily responsible for originating CRA residential mortgage loans to low-to-moderate income and minority customers through either outside sales efforts, internal referrals or a decentralized network of branch locations and submitting applications and facilitating essential communication between parties throughout the loan process.
ESSENTIAL DUTIES AND RESPONSIBILITIES
* Increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers, through effective selling
* Advises customers on the mortgage loans that are appropriate for their individual financial circumstances, interviews applicants, and collects financial data and documents
* Assists buyers in the purchase process through closing
* Actively promotes the Bank’s CRA, low-to-moderate, and minority lending efforts and generate residential mortgages in targeted areas
* Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas
* Actively works with state, local and county down payment assistance programs
* Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations
* Becomes a leader in the community when it comes to mortgages and mortgage knowledge
* Builds and deepens relationships with industry-specific centers of influences like real estate agents and contractors
* Maximizes the bank’s resources to assist in selling and establishing relationships
* Cross-sells bank products at each mortgage closing
* Complies with all appropriate bank policies and regulatory guidelines
* Performs other duties as required
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. High school diploma or GED and 0-2 years of experience or equivalent combination of education and experience
NMLS Language
As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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