About The Role
We are searching for an ambitious Mortgage Loan Originator to join our growing Mortgage Team! This is an entry level Junior position, servicing the Davis County or Weber & Box Elder Counties with support to other FCBU locations. Apply for this position if you are interested in learning how to assist customers with their mortgage lending needs; analyzing loan requests and making necessary credit decisions while abiding by mortgage lending policies!

QUALIFICATIONS:

• Entry Level - Sales experience preferred
• Comfortable identifying and reaching out to potential customers through various channels like cold calling or networking.

EDUCATION QUALIFICATIONS:

• High School Diploma or GED
• Possess a valid Driver’s License
  First Community Bank of Utah will conduct a credit and background screening as a part of the pre-hire process.

DUTIES AND RESPONSIBILITIES:

• Develops origination techniques including sales and analytic skills in order to support customers seeking a mortgage loan
• Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• Reviews and evaluates information on mortgage loan documents to determine if borrower, property, and loan conditions meet Bank and regulatory standards.
• Approves or rejects loan application or requests additional information.
• Evaluates acceptability of loan on secondary mortgage markets.
• Educates the borrower on the terms and conditions of an approved loan and their financial responsibility of the loan.
• Calls or visits customers who are delinquent on their loan payment (may not be applicable to brokered loans).
• Protects the Bank on all levels from fraud and reputation risk.
• Markets the Bank’s mortgage lending program to companies and individuals within the real estate community.
• Cross-sells other Bank services.

ADDITIONAL RESPONSIBILITIES:

• Must comply with applicable laws and regulations, including but not limited to: the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Adhere to the FCB Bank Values and Purpose
• Keeps management appropriately informed of area activities and of any significant problems
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Professionally answer phones within a timely manner, greeting all customers, learning their names, discussing reasonable solutions by having a solid understanding of bank products and services, demonstrating leadership to resolve customer issues and provide relevant assistance while being courteous and respectful.
• Represent FCB in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility, and adaptability in meeting bank and customer needs. Keep work area tidy and maintain highest integrity of sensitive information.
• Attends and participates in weekly or bi-weekly One-on-Ones, as well as meetings and trainings as required. Promote behaviors to support and track Key Performance Indicators
  About You