Mortgage and Consumer Loan Officer

First National Bank Texas is seeking a Loan Originator to build and manage a high-quality pipeline of mortgage and consumer loans. In this role, you will prospect and develop relationships, assess borrower needs, collect and analyze financial documentation, and guide customers from application through closing while ensuring accuracy and compliance with all banking and lending regulations. You will collaborate closely with underwriting, processing, and branch teams to deliver timely decisions and exceptional service. FNBT offers structured training, career growth, and a community-focused culture that rewards strong performance.

Responsibilities

• Generate and manage a pipeline of mortgage and consumer loan applications through referrals, outbound outreach, and community networking.
• Conduct borrower interviews, analyze credit profiles, and recommend appropriate loan products and structures.
• Collect, verify, and submit complete and accurate loan documentation to processing and underwriting teams.
• Ensure all loans comply with bank policies and federal and state regulations, including disclosure and documentation requirements.
• Collaborate with branch, underwriting, and closing teams to move loans efficiently from application to funding.
• Deliver timely, clear communication to customers throughout the loan process, providing guidance and issue resolution.
• Cross-sell appropriate bank products and services to deepen customer relationships and support branch goals.
• Meet or exceed individual production, quality, and customer satisfaction targets.
• Maintain detailed records and updates in loan origination and CRM systems.
• Participate in ongoing training and development to stay current on loan products, guidelines, and regulatory changes.

Required Skills

• Mortgage loan origination
• Consumer lending
• Credit analysis
• Financial documentation review
• Sales and pipeline management
• Customer relationship management (CRM)
• Loan pricing and structuring
• Regulatory and compliance knowledge
• Mortgage LOS software
• Cross-selling banking products