Mortgage Loan Originator at Citizens National Bank

Job Title: Mortgage Loan Originator

Location: Bluffton, OH

Status: Full Time

FSLA Job Class: Non-exempt

Department: Consumer Loan Sales

Reports To: Local City President

At Citizens National Bank, we have surrounded ourselves with some of the brightest and most talented professionals in the financial service industry to form a solid and secure community banking foundation. 

Citizens National Bank has an excellent opportunity available in our local market for a Mortgage Loan Originator. In this role you will be responsible for offering expert financial services for consumers, covering everything from financing home purchases, construction and refinancing of owner-occupied residential real estate. Additional loan products include home equity lines and loans, vehicle loans, and other consumer financing options. 

A typical day may include the following: 

• Being available to meet and interview potential loan customers onsite or offsite. 
• Meet with loan applicants to evaluate their financing needs; explain the available financing options and provide assistance with the customer's selection of loan programs that best meet their needs. 
• Obtain all necessary information from the borrowers for verification of deposits, employment and any other underwriting requirements necessary for the loan approval. 
• Convey to underwriter any comments made by the borrowers regarding their past or present financial history that may influence the credit decision. 
• Finalize the completion of a loan application with established interest rates, terms and fees. 
• Deliver exceptional customer service to clients of Citizens National Bank, specializing in Residential and Consumer Loans. 
• Cross-sell other bank products and services. 
• Attend weekly department and sales meetings. 
• Maintain the appropriate licensing and/or continuing education credits needed to perform this job. 
• Represent Citizens National Bank at appropriate business development functions, community events and business groups. 
• This position requires travel to outside offices/locations at times to meet with management, staff and others, however on-site presence is also necessary for regular, successful performance. 

JOB REQUIREMENTS:

• Minimum associate's degree or equivalent from two-year college or technical school; or five years related experience; or the equivalent combination of education and experience. Continuing education to remain current with required licensing. 

ADDITIONAL QUALIFICATIONS:

• Two years experience in a financial institution or loan setting is preferred
• Previous sales experience
• Basic understanding of financial institution policies and procedures.
• Must have stellar written and verbal communication skills.
• High level of professionalism
• Proficiency in computer software such as Word, Excel, and Outlook
• Must maintain a well-developed working knowledge of the bank's products and services, along with the applicable regulations and operating systems. 
• Must have the ability to manage multiple priorities and meet deadlines. 

WHAT'S GREAT ABOUT WORKING AT CITIZENS NATIONAL BANK?

• Medical, Dental, and Vision Insurance
• Company Paid Life Insurance 
• Company Paid Short Term & Long Term Disability 
• Generous Paid Time Off including Vacation, Sick, Personal, and Emergency Time
• 11 Paid Holidays
• Incentive Plan paid on a quarterly basis
• Employee Stock Ownership Plan for your retirement
• Banking Perks 

Citizens National Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.