Mortgage Originator

Important Information Regarding Application Process: Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. *Data from resume cannot be downloaded into application. We invite you to view additional job opportunities at https://www.fsbank.com/about/join-us/.

SUMMARY

First Security Bank is seeking a professional, energetic and team-orientated individual to join our team as a Staff Auditor! If this is you and you want to join a dynamic team who is passionate about serving our Arkansas community, then you should apply!

Under minimal supervision, evaluate, authorize, and recommend the approval of Secondary Market Mortgage Loans. Advise borrowers on financial status and methods of payment. This position requires employees to work on-site.

QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION and/or EXPERIENCE:

• Bachelor's degree is required, emphasis in business finance preferred; or
• 4+ years of Mortgage Originator experience is required.
• Arkansas NMLS required.
• Working knowledge of accounting practices to analyze clients' finances and understand how that influences their options.
• Knowledge of real estate market in local area.
• Proficiency with Encompass, Outlook, Word, Excel, typing, 10-key and utilization of the internet is required.
• Willingness to demonstrate Core 5 values with customers and coworkers.

HOURS OF AVAILABILITY: Regularly Scheduled Hours/Week: 40 (+) Hours | Monday - Friday 8:00am-5:00pm | *Extended working hours may be required.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Become knowledgeable in First Security Bank products, services, policies, culture, and core values. Demonstrate compliance with all bank regulations.
2. Actively communicate and exchange information with external and internal customers. Executing operational excellence by meeting quality service requirements, connecting through Bank Better experiences, and delivering 2nd Mile Service.
3. Develop profitable and quality residential mortgages by building personal relationships with community members and clients.
4. Analyze applicants' financial status and credit to determine which products meet their needs and advise them about the advantages and disadvantages of differing financial products.
5. Ensure customers are routinely provided with progress reports and kept informed of their origination, processing, appraisal, underwriting and closing requirements regarding the guidelines pertaining to both governments insured and privately insured mortgages.
6. Determine loan payments (amounts, interest rates, specified length of terms, amortization periods and payment frequencies).
7. Business travel between branches, attending community activities, and meeting with clients may be required. A valid driver's license and personal vehicle that may be used for business travel purposes are also required.
8. Adhere to strict privacy regarding customer account information. Maintain customer confidence and protect bank operations by keeping information confidential.
9. Operate computer, telephone, keyboard, scanner and copier. Proficiency with internal bank software, Encompass Software, and Mortgage proprietary software will be required.
10. Ability to arrive at work on time, work on site and collaborate with other coworkers. Willingness to extend working hours where necessary to accommodate the completion of varied tasks on behalf of the customers.
11. Additional duties may be assigned by management.

SUPERVISORY RESPONSIBILITIES: This position has no supervisory responsibilities.

SOFT SKILLS

Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.

PHYSICAL DEMANDS

Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while managing currency, documents and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing; while occasionally stooping, kneeling or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in-person and over telecommunications. Have near/far visual acuity to identify customers, currency and reading materials in printed or electronic format. The employee must occasionally lift and move up to 10 pounds. Ability to hold a valid driver's license with access to a vehicle that can be used for business travel purposes.

The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

MENTAL DEMANDS

The duties of this position require strong independent critical thinking skills to manage multiple projects and their accurate and timely completion. Able to interact with and lead others in a calm and patient manner; maintaining confidentiality and professionalism in all situations. Able to analyze information, evaluate options, and make sound judgements in a timely manner. Strong mathematical competency related to currency including, adding, subtracting, multiplying, and dividing whole numbers, fractions and decimals. This position also requires the ability to read and interpret documents, draft instructions or presentations and articulate complex information in written or oral form.