What are the responsibilities and job description for the Experienced Mortgage Loan Originator / Lender position at F & M Bank?
Description:
We are seeking an experienced Mortgage Lender to join our team in South Sioux City, NE. You will help clients navigate the home-buying process and find the best financing solutions. The ideal candidate brings a strong background in mortgage closing operations. You will manage the loan process from origination through closing while ensuring compliance and top-tier customer service.
Key Responsibilities
- Originate residential mortgage loans by evaluating applicant financial profiles.
- Guide borrowers through the process from application to final loan closing.
- Review financial documentation including tax returns, credit reports, and income statements.
- Collaborate with processors and underwriters to ensure accurate loan documentation.
- Maintain active knowledge of local real estate markets, compliance regulations, and lending products.
- Develop relationships with real estate agents, builders, and community partners to generate leads.
- Experience: Minimum of 3–5 years of direct experience in mortgage closing or processing.
- Licensing: Active NMLS license (or ability to obtain quickly upon hire).
- Compliance Knowledge: Deep understanding of TRID, RESPA, and federal lending guidelines.
- Tech Skills: Proficiency with Loan Origination Systems (LOS) and automated underwriting systems (DU/LP).
- Skills: Strong financial acumen, sharp attention to detail, and excellent communication habits.
Preferred Qualifications
- Consumer Lending: Experience with personal loans, auto loans, or home equity lines of credit (HELOCs).
- Language: Bilingual skills (English and Spanish) are highly valued to serve our diverse local community.
Benefits
- Competitive salary
- Comprehensive health, dental, and vision insurance
- Company paid life insurance
- 401(k) matching program
- Paid time off and observed company holidays
- F&M Clothing Credit