At First Bank, we have a passion for building strong relationships with not only our customers and business partners, but our team members as well. We maintain a wholesome environment that fosters reliable and efficient financial solutions and service to our surrounding communities. Strong, family-based culture with an excellent workplace for team-building and great growth potential, makes First Bank the perfect company to grow and carve out a fruitful path for your career.

Current Opportunities

Job Summary

The Sr. Mortgage Consultant will be responsible for representing First Bank and originating residential mortgage loans. The position develops and maintains existing external business and customer relationships, as well as identifies new customer opportunities from various channels with the purpose of recommending a mortgage product for which the customer qualifies.  The Sr. Mortgage Consultant also issues mortgage pre-qualifications, stays in contact with customers and continues to foster the relationship until they close their loan.

Job Responsibilities:

  • Develops and maintains relationships with new and current customers, as well as realtors, builders, attorneys, and other third parties.
  • Inquiries into the customer’s income, assets, investments, debt, credit history, prior bankruptcies, judgments, and liens, as well as the characteristics of the property and other similar information in order to assess a customer’s financial circumstances and determine whether the customer and the property qualify for a particular loan.
  • Analyzes the customer’s particular reasons for purchase or refinance, plus their financial background, and reviews the availability of all loan products that might fit the customer’s needs.
  • Advises the customer of the inherent risks and benefits of loan alternatives in order to recommend the most suitable product.
  • Performs all steps and functions necessary to acquire, research/analyze and approve mortgage packages to include property appraisals, credit reports, background checks, etc.
  • Submits complete and accurate mortgage loan packages that provide all of the information needed to make an underwriting decision.
  • Manages a clean pipeline of loans in process coordinating with Processors, Underwriters, and Closers on a daily basis
  • Meets and maintains all mortgage loan origination licensing requirements including continuing education requirements.
  • Stays up-to-date on availability of all products and any changes in the industry
  • Ensures full compliance with all applicable federal and state law and regulations, all Company policies and procedures, and all applicable investor guidelines.
  • Performs other duties as assigned.

Job Requirements

  • This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008.
  • Minimum of 2 Years of mortgage origination experience preferred
  • Ability to determine appropriate interest rate quote to customer and to determine maximum qualification amounts based on investor guidelines
  • Ability to apply investor guidelines to specific sales situations and use discretion and judgment to recommend the most appropriate products to customers based on qualifications and needs identified by customer analysis
  • Excellent communication, analytical, customer service and organizational skills
  • Proficiency in Microsoft Office suite of products and ability to quickly gain proficiency in the Company’s proprietary mortgage software products
  • Good oral and written communications skills
  • Ability to conduct presentations and hold one-on-one meetings
  • Ability to multitask in a fast-paced environment

Benefits as a First Bank Sr. Mortgage Consultant

  • Aggressive Compensation plan compared to competitors
  • Competitive interest rate availability
  • In-House loan officer coaching
  • Health, dental and vision insurance
  • Flexible spending and savings accounts
  • 401k with matching
  • 24/7 Private Health benefits concierge
  • Remote medical consultation service
  • Experienced operations staff
  • Unmatched Marketing Department to help you grow and maintain your portfolio of business

Want to Be Different? Apply to become a Mortgage Expert at First Bank!

You can email your resume to bedifferent@firstbankweb.com

Job Summary

First Bank is looking for an ambitious and passionate individual to join our team as a Mortgage Underwriter.  It will be the Mortgage Underwriter’s responsibility to ensure that mortgage loans are processed and underwritten accurately, while remaining in compliance with company, regulatory and investor requirements. The Mortgage Underwriter will work alongside the sales, processing and closing departments by maintaining and delivering an excellent customer experience.

Our Ideal Mortgage Underwriter:

  • Will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and investor standards
  • Will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents
  • May be involved in one or several types of mortgage lending (conventional, government-backed, etc.)
  • May be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans
  • May be required to respond directly to individual and investor audits
  • Reviews complex income documentation such as personal and business tax returns
  • Reviews complex asset statements
  • Has the ability to underwrite FHA/VA loan requests
  • Works efficiently under minimal supervision to meet company goals for turn times
  • Has high levels of risk assessment knowledge
  • Has the ability to restructure loans recommended for denial and present counter-offer which fully complies with guidelines at an acceptable level of risk
  • Has the analytical ability to consider consequences of loan credit guidelines

Basic Qualifications:

  • High School Diploma, GED or equivalent certification or military experience
  • Experience with underwriting to multiple lender guidelines and requirements
  • Knowledge of Fannie Mae/DU and Freddit Mac guidelines and automated underwriting systems
  • Must be able to critically examine credit, income and asset documents and review title policy and appraisals

Preferred Qualifications:

  • MUST HAVE DE UNDERWRITING EXPERIENCE
  • 5+ years of mortgage underwriting experience
  • 5+ years of FHA/VA, Conventional and USD/RD underwriting experience

Benefits as a First Bank Employee

  • Health, dental and vision insurance
  • Flexible spending and savings accounts
  • 401k with matching
  • 24/7 Private Health benefits concierge
  • Remote medical consultation service
  • and more!

Want to Be Different? Apply to become a Mortgage Expert at First Bank!

You can email your resume to bedifferent@firstbankweb.com

First Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, First Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

First Bank expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of First Bank’s employees to perform their job duties may result in discipline up to and including discharge.

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