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First State Bank · 4 months ago

Mortgage Advisor

Celina, TX

Full-time

Onsite

New Grad, Entry Level

First State Bank is seeking a Mortgage Advisor responsible for originating residential mortgage loans in accordance with bank policies and regulatory standards. The role involves conducting consultations with borrowers, managing relationships, and ensuring compliance with loan eligibility requirements.

BankingCommercialCommercial LendingCreditFinanceFinancial ServicesLending

Senior Management

Responsibilities

Originate residential mortgage loans by conducting in-depth consultations with prospective borrowers to evaluate their financial needs and recommend suitable loan products

Serve as a primary point of contact, delivering consistent, high-quality service that strengthens client trust and maximizes retention

Generate additional loan production through proactive networking, relationship-building, and business development within the community and among referral partners

Accurately assess applicants’ financial information, credit standing, and eligibility across a wide range of mortgage products including Conventional, FHA, VA, USDA, and non-agency programs

Run, analyze, and interpret findings using Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA), ensuring compliance with applicable guidelines and loan eligibility requirements

Maintain consistent communication with borrowers throughout the loan process to ensure transparency, timely updates, and a seamless customer experience

Collaborate with internal departments including processing, underwriting, and closing to ensure efficient and compliant loan origination

Remain informed on current industry regulations, investor requirements, and product changes to provide accurate guidance to borrowers and referral sources

Qualification

Conventional loan expertiseFHA loan expertiseVA loan expertiseAutomated underwriting systemsUSDA loan expertiseNon-agency loan productsComputer skillsAdvanced math skillsInterpersonal skillsCommunication skillsTime management