At First County Bank, You We = Team
YOU - Bring your talent, hunger to learn and desire to grow.
WE - Will provide you with the training and experience you need to become a Trusted Advisor to your clients.
TEAM -As part of the FCB team, you will share in the satisfaction of working for a respected 170-year-old institution with deep community roots and a tradition of giving back.
First County Bank - It's where you belong!
We are currently looking for a Mortgage Loan Originator to join our Residential Lending team! This individual will solicit and complete mortgage applications and register as required under the SAFE (Safe and Fair Enforcement for Mortgage Licensing) Act, as well as develop and cultivate a referral base to promote the Bank's market share.
Primary Responsibilities:

• Develops and implements a calling program to solicit and expand business in established market areas.
• Maintains and updates listings of local realtors, developers, attorneys and other referral sources; Establishes and cultivates client and referral relationships.
• Conducts interviews to screen applicants for mortgage and construction loans; evaluates application to ascertain conformity with pre-established guidelines for qualification; refers exceptions to supervisor.
• Discusses various available product types with client; identifies and recommends best match. May visit clients at home and/or during non-business hours to suit client convenience.
• Collects, compiles and enters complete and accurate information in application on laptop computer; answers client questions; reviews application to ensure that all required data is included. Collects and submits other documents as necessary.
• Serves as liaison between client and processor/underwriter during approval process; relays requests and information. Resolves problems and refers as necessary.
• Receives and responds to inquiries from potential customers, realtors and other members of the business community regarding Bank policy and products.
• Submits required sales and expense reports to Senior Vice President on a timely basis; Submits weekly call report documenting activities.
• Investigates and sets up opportunities to present financing seminars to realtors and first time home buyers. Prepares and conducts presentations & follows through on potential leads; Meets minimum required number of presentations per period as established by supervisor.
• Maintains and updates awareness of competitor products and activities & notifies supervisor of items of interest; Conducts rate surveys.
• Participates in local area professional organizations to establish and maintain business contacts.
• Meets all salesperson obligations as set forth in the "Salesperson (Originator) Agreement."
• Performs other related duties as assigned.

Requirements/Qualifications:

• Completion of 4 years of high school or equivalent required; college degree preferred.
• 5 years plus experience in mortgage originations with demonstrated sales and public contact skills.
• Knowledge of and familiarity with mortgage products and basic understanding of secondary market guidelines.
• Basic knowledge of state and federal regulations as they apply to mortgages, real estate terminology, and general underwriting requirements.
• Registered as required under the SAFE (Safe and Fair Enforcement for Mortgage Licensing) Act.
• Ability to utilize and enter information into laptop computer and utilize Fannie Mae Desktop Underwriter required.
• Skills in basic sales techniques and public relations are needed.
• Must have valid driver's license as the majority of time spent is out of the Bank, traveling to client's homes, realtor's offices and other business locations.

Wage Range: $33,778 - $35,000 plus commissions
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)