Mortgage Loan Originator, Community Lender - Kansas City MSA - Johnson County

Kansas City, MO - Terrace Mortgage Loan Office

Full time

R-20261616

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:

As a Community Mortgage Lender, you will have the opportunity to help customers achieve their dream of homeownership, to help existing homeowners refinance, save money through better interest rates and access their home equity to consolidate debt or do home improvements. Your primary goal and focus will be to serve customers in low to moderate income geographies, minority communities, and low to moderate income borrowers. This will help the bank fulfill and exceed its Fair Lending and CRA mortgage responsibilities.

You will create new business from existing customers and source new customers by establishing partnerships with various community partners. This will include realtor professionals, financial service providers such as insurance agents and accountants, nonprofit agencies, community organizations and neighborhood groups, local government community outreach departments, educational institutions, libraries, and churches. Where we have local FNBO presence, you will partner with branch staff to support our initiatives.

There is a strong education component to your work. You will look for financial education and homeownership workshop opportunities with community partners to advise people on the steps to homeownership. Community involvement is another key component of your work. This means you will participate in select community events to promote FNBO, our work, products, and services. You will also engage in community activities designed to promote financial stability and access to homeownership.

About this Role:

Job Responsibilities

• 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 best interests of the customer always in mind.

• Originate and close mortgage loans while ensuring compliance and meeting file accountability guidelines.

• Give an excellent customer experience by setting proper expectations and making sure we deliver on our promise throughout the process.

• Meet and/or exceed defined monthly sales goals and contribute to our overall divisional goals for lending in MMCT’s, LMI Tracts, LMI borrowers, and CRA service hours.

• Create and execute on a personal business plan which gives detail to your lead generating business activities. Your plan should align with the overall FNBO Mortgage Division plan.

• Establish strong relationships and partnerships with various community partners to include chambers of commerce, professional, business networking, non-profits, and industry groups.

• Maintain and grow a comprehensive knowledge of mortgage products and services and specifically those that benefit and serve low to moderate income borrowers and minority communities.

• Work in a collaborative manner with internal mortgage partners to ensure customer files are processed in an efficient and timely fashion.

• Establish strong connections with community partners to source new customers and create opportunities for financial education and homeownership workshops.

• Participate in community events and outreach to promote FNBO products and services and contribute time to community activities focused on financial literacy and access to homeownership resulting in new business leads from LMIs and MMCTs.

The Ideal Candidate for This Role:

Required Qualifications

• Established in the community with connections in “assigned geographic area”. Experienced in community outreach, building relationships, and developing outside referral partnerships.

• Ability to travel between FNBO locations and community partners.

• Depending on the assigned geographic area, bi-lingual communicator might be required.

• High School Diploma or equivalent.

• Ability to provide advice and guidance to customers on best product.

• Excellent verbal and written communication skills.

• Demonstrated customer service skills.

• Working knowledge and understanding of CRA, community development, Fair Lending, and terms such as MMCT and LMI Tracts, LMI borrowers.

• Working knowledge of Microsoft Word and Excel applications

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 various underwriting requirements.

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

#IND123

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

Compensation:

Compensation range (base pay): $63,288.00-$104,425.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .

For additional information regarding compensation and benefits, e-mail FNBO at [email protected] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261616

Registration Requirement:

This position requires S.A.F.E. Act registration with the Nationwide Mortgage Licensing System (NMLS). Qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must meet ongoing regulatory requirements including acceptable background investigation and credit report results.

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here. (https://www.fnbo.com/careers/belonging)

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here (https://www.fnbo.com/content/dam/fnbo/documents/hr-documents/eeo-is-the-law.pdf) to download 'EEO is The Law' Self-Print Poster

Click here (https://www.fnbo.com/content/dam/fnbo/documents/hr-documents/eeo-supplement-federal-contractors.pdf) to download 'EEO is The Law' Supplement for Federal Contractors

Click here (https://www.fnbo.com/content/dam/fnbo/documents/hr-documents/eeo-supplement-gina.pdf) to download 'EEO is The Law' GINA Supplement

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.

Grow Your Career with FNBO!

For 170 years, our holding company - First National of Nebraska (FNNI) - has grown to more than 4,500 employees with locations in nine states and $35 billion in assets. We are proud to serve our customers and communities with banking offices located in Nebraska, Colorado, Illinois, Iowa, Kansas, Missouri, South Dakota, Texas and Wyoming.

FNBO (First National Bank of Omaha) believes that a bank should be a force for good in the world; to positively influence the lives of our employees, customers and the success of the communities we serve. Whether you're just beginning your career or taking it to the next level, you'll find your fit here.

Bilingual Careers (https://firstnational.wd12.myworkdayjobs.com/en-US/fnbocareers?q=bilingual)

Internships & Trainee Program (https://firstnational.wd12.myworkdayjobs.com/fnbocareers?q=trainee%20program)

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. We strive to represent the communities in which we serve.

Learn more here. (https://www.fnbo.com/careers/belonging)

FNBO endeavors to make our site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact HR Solution One via either email or phone using the contact information below.

Online (Primary Response Hours: M-F, 8a-5p Central)

• [email protected]

Phone (Available: M-F, 10a-2p; Central)

• (855) 470-3777

• (402) 602-3777