Mortgage Loan Originator, Community Lender - Kansas City MSA

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Our Modern, Flexible Workplace:

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to collaborate and connect with customers and coworkers.It is anticipated that an incumbent in this role will work onsite 100% of the time and will have a dedicated workspace. This role will be located in Jackson County and will serve the Kansas City MSA. Work location is subject to change based on business needs.

Summary of the Job:

As a Community Mortgage Lender, you will have the opportunity to help customers achieve their dream of homeownership, to help existing homeowners refinance, save money through better interest rates and access their home equity to consolidate debt or do home improvements. Your primary goal and focus will be to serve customers in low to moderate income geographies, minority communities, and low to moderate income borrowers. This will help the bank fulfill and exceed its Fair Lending and CRA mortgage responsibilities.

You will create new business from existing customers and source new customers by establishing partnerships with various community partners. This will include realtor professionals, financial service providers such as insurance agents and accountants, nonprofit agencies, community organizations and neighborhood groups, local government community outreach departments, educational institutions, libraries, and churches. Where we have local FNBO presence, you will partner with branch staff to support our initiatives.

There is a strong education component to your work. You will look for financial education and homeownership workshop opportunities with community partners to advise people on the steps to homeownership. Community involvement is another key component of your work. This means you will participate in select community events to promote FNBO, our work, products, and services. You will also engage in community activities designed to promote financial stability and access to homeownership.

About This Role:

Job Responsibilities

• Represent both yourself and FNBO with the highest level of professionalism, integrity, and respectfulness in your community.
• Provide expert advice and guidance on mortgage loans with best interests of the customer always in mind.
• Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.
• Give an excellent customer experience by setting proper expectations and making sure we deliver on our promise throughout the process.
• Meet and/or exceed defined monthly sales goals and contribute to our overall divisional goals for lending in MMCT’s, LMI Tracts, LMI borrowers, and CRA service hours.
• Create and execute on a personal business plan which gives detail to your lead generating business activities. Your plan should align with the overall FNBO Mortgage Division plan.
• Establish strong relationships and partnerships with various community partners to include chambers of commerce, professional, business networking, non-profits, and industry groups.
• Maintain and grow a comprehensive knowledge of mortgage products and services and specifically those that benefit and serve low to moderate income borrowers and minority communities.
• Work in a collaborative manner with internal mortgage partners to ensure customer files are processed in an efficient and timely fashion.
• Establish strong connections with community partners to source new customers and create opportunities for financial education and homeownership workshops.
• Participate in community events and outreach to promote FNBO products and services and contribute time to community activities focused on financial literacy and access to homeownership resulting in new business leads from LMIs and MMCTs.

The Ideal Candidate for This Role:

Required Qualifications

• Established in the community with connections in “assigned geographic area”. Experienced in community outreach, building relationships, and developing outside referral partnerships.
• Ability to travel between FNBO locations and community partners.
• Depending on the assigned geographic area, bi-lingual communicator might be required.
• High School Diploma or equivalent.
• Ability to provide advice and guidance to customers on best product.
• Excellent verbal and written communication skills.
• Demonstrated customer service skills.
• Working knowledge and understanding of CRA, community development, Fair Lending, and terms such as MMCT and LMI Tracts, LMI borrowers.
• Working knowledge of Microsoft Word and Excel applications

Desired Qualifications

• 1+ years of experience in mortgage loan origination and specifically in Community Mortgage Lending
• Active Mortgage Originator with a pipeline
• Knowledge of mortgage operating systems, pricing, and various underwriting requirements.
• This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NLMS).

Registration Requirement:

This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS). Qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must meet ongoing regulatory requirements including acceptable background investigation and credit report results.

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

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Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.