Mortgage Loan Originator, Community Lender - Broomfield​/Brighton

Overview

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.

Summary of the Job:

Proficiency in English and Spanish is required to be considered for this opportunity. As a Community Mortgage Lender, you will help customers achieve their dream of home ownership, assist existing homeowners to refinance, save money through better interest rates, and access home equity to consolidate debt or do home improvements. Your primary goal will be to serve customers in low to moderate income geographies, minority communities, and low to moderate income borrowers, supporting the bank’s Fair Lending and CRA mortgage responsibilities.

You will create new business from existing customers and source new customers by establishing partnerships with community partners, including real estate professionals, financial service providers, nonprofit agencies, community organizations, neighborhood groups, local government outreach, educational institutions, libraries, and churches. Where FNBO has a local presence, you will partner with branch staff to support initiatives.

There is a strong education component to your work. You will pursue financial education and home ownership workshop opportunities with community partners to advise people on steps to home ownership. Community involvement is another key component; you will participate in select community events to promote FNBO and our products and services and engage in activities focused on financial stability and access to home ownership.

• 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 the customer’s best interests in mind.
• Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.
• Deliver an excellent customer experience by setting proper expectations and following through on promises.
• Meet and/or exceed defined monthly sales goals and contribute to divisional goals for lending in MMCTs, LMI Tracts, LMI borrowers, and CRA service hours.
• Create and execute a personal business plan detailing lead-generating activities aligned with the FNBO Mortgage Division plan.
• Establish strong relationships with community partners including chambers of commerce, professionals, nonprofits, and industry groups.
• Maintain and grow knowledge of mortgage products that benefit and serve low to moderate income borrowers and minority communities.
• Collaborate with internal mortgage partners to ensure timely processing of customer files.
• Build connections with community partners to source new customers and create opportunities for financial education and home ownership workshops.
• Participate in community events and outreach to promote FNBO products and services and contribute to activities focused on financial literacy and home ownership resulting in new business leads from LMIs and MMCTs.

Required Qualifications

• Established in the community with connections in the assigned geographic area; experienced in outreach, building relationships, and developing outside referral partnerships.
• Ability to travel between FNBO locations and community partners.
• Proficiency in English and Spanish.
• High School Diploma or equivalent.
• Ability to advise and guide customers on the best product.
• Excellent verbal and written communication skills.
• Demonstrated customer service skills.
• Working knowledge of CRA, community development, Fair Lending, and terms such as MMCT and LMI Tracts, LMI borrowers.
• Working knowledge of Microsoft Word and Excel.

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 underwriting requirements.
• This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS).

Candidates must possess unrestricted work authorization and not require future sponsorship.