Home Loan Originator

Farmers Butler, IN
The Farmers & Merchants State Bank (F&M Bank) has always had a special commitment to the growth of Northwest Ohio since its inception in 1897. The F&M Bank headquarters has always been in Archbold, Fulton County, Ohio. F&M Bank continues to serve the financial needs of individuals, farmers, businesses, and industries by offering the traditional banking products, as well as internet and telephone banking products.

F&M's commitment is to ensure that community banking continues to grow and prosper by providing quality customer service and effectively supplying the right products to meet the financial needs of individuals, farmers, businesses, and industries within our market area. At F&M Bank, we are looking forward not only to the future of F&M, but to the future of our customers as well. F&M has been a stable financial institution for over 120 years and that will not change! Working with our communities, F&M will continue on the same successful path as we strategically plan for the future.

Benefits

* Medical Insurance

* Dental Insurance

* Optional Vision Insurance

* Life Insurance

* Paid Vacation

* Paid Sick Time

* Paid Holidays

* 401(k) with Profit Sharing

* Education Reimbursement

Job Summary

The position has overall knowledge of the Home Loan Department; exercises sound judgment in the loan making process, and ensures accurate recording and timely service.

Essential Job Functions

* Originate Home loans including loans salable to Freddie Mac, Fannie Mae, FHA, USDA, VA, Home Equity Loans, HELOCs, and other in-house loan products.

* Meet with applicants to obtain information for loan applications and to answer questions about the process.

* Explain to customers the different types of loan products and services that are available, as well as the terms.

* Obtain and compile documentation to support application information.

* 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.

* Meet with customers as necessary during various stages of the loan process.

* 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.

* Network with internal departments, employees, realtors, builders, and other referral sources to generate leads and create a Bank presence in local communities.

* Cross-sell other bank products, including FM Investments.

* Participate in Sales program including practicing drills and role-plays; utilize sales skills to provide outstanding customer service.

* Identify competitive opportunities in local markets regarding rates, products, etc.

* Handle customer complaints 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.

* Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.

Qualifications

* 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 - Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

* REASONING ABILITY - Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

* 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 arms; and talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and ability to adjust focus.

* WORK ENVIRONMENT - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Equal Opportunity Employer, including disabled and veterans.