Home Loan Originator

**Description**

**SUMMARY**

**ESSENTIAL DUTIES AND RESPONSIBILITIES** include the following. Other duties may be assigned.
- Originate Home loans including: Freddie Mac, Fannie Mae, FHA, USDA, VA, Home Equity Loans, HELOCs, and other in-house loan products.
- Prospects new mortgage lending opportunities and recommends the best home loan product(s) based on the customers individual needs.
- Analyze and compile information and documentation collected to accurately process loans in accordance with Bank policies and procedures as well as real estate lending rules and regulations.
- Ensure assigned Home Loan Matrix dates for 30-day turn-time are met on all loan files.
- Identify, develop and maintain a successful network of business relationships that serves as a recurring source of referrals for new home loan opportunities
- Maintain availability to realtors and borrowers outside of standard banking hours.
- Ensure exceptional customer experience by overseeing the loan process from origination to closing and providing on-going communication to customers, processors, underwriters, and other business partners.
- Participate in business related development opportunities and community efforts to promote F&M and generate new business.
- Demonstrates a complete understanding of products offered by F&M and cross-sell those products, including FM Investments.
- Works with managers and marketing to develop and implement sales and marketing plans on an on-going basis designed to enhance success, and achieve goals assigned by the bank.
- Handle customer questions and/or issues and take appropriate action to resolve them.
- Achieve production and other goals as established by F&M.
- Utilizes F&M training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.
- Participate in Sales program including practicing drills and role-plays; utilize sales skills to provide outstanding customer service.

**SUPERVISORY RESPONSIBILITIES**
- This job has no supervisory responsibilities.

**PERFORMANCE FACTORS**:

- To perform the job successfully, an individual should demonstrate the following competencies:

- Sales:

- Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customer’s relationship consistent with the Bank’s Sales Culture.
- Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism
- Communication Skills:

- Job Knowledge:

- Problem-solving:

- The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.
- Attention to Detail:

- Ethics:

- The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.

**Requirements**:
**QUALIFICATIONS**: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

**EDUCATION and/or EXPERIENCE**
- Associate’s degree (A. A.) in banking or finance or two years related experience and/or training; or equivalent combination of education and experience. Must have strong public relations skills. Must have computer skills in Microsoft Office and Excel.

**LANGUAGE SKILLS**
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from employees, customers, and the general public.

**MATHEMATICAL SKILLS**

**REASONING ABILITY**

**CERTIFICATES, LICENSES, REGISTRATIONS**
- Valid driver’s license
- Notary public
- Federal NMLS

**OTHER SKILLS AND ABILITIES**
- Has good writing and communication skills. Must be articulate, friendly and possess good telephone etiquette. Is neat in appearance, detail oriented and possesses the ability to work without supervision.

**PHYSICAL DEMANDS** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and