CRA - Mortgage Loan Officer in Dallas, TX at First Horizon National Corporation

Date Posted: 1/17/2021

Job Snapshot

  • Employee Type:
    Full-Time
  • Location:
    5956 Sherry Lane
    Dallas, TX
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
    1/17/2021
  • Job ID:
    CRAMO02883

Job Description

Note: As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

A Mortgage – CRA Loan Officer II is responsible for originating CRA residential mortgage loans to low-to-moderate income and minority customers primarily through outside sales efforts and submitting applications and facilitating essential communication between parties throughout the loan process for the business generated by sales efforts.

ESSENTIAL DUTIES AND RESPONSIBILITIES
• Increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers, through effective outside sales efforts that are conducted away from the primary place of business
• Advises customers obtained primarily through outside sales efforts on the mortgage loans that are appropriate for their individual financial circumstances and collects financial data and documents
• Assists buyers in the purchase process through closing
• Actively promotes the Bank’s CRA, low-to-moderate, and minority lending efforts and generate residential mortgages in targeted areas and communities
• Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities within targeted areas and communities
• Actively works with state, local and county down payment assistance programs
• Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations
• Becomes a leader in the community when it comes to mortgages and mortgage knowledge
• Builds and deepens relationships with industry-specific centers of influences like real estate agents and contractors
• Maximizes the bank’s resources to assist in selling and establishing relationships
• Cross-sells bank products at each mortgage closing
• Complies with all appropriate bank policies and regulatory guidelines
• Performs other duties as required


SUPERVISORY RESPONSIBILITIES

Directly responsible for directing, coordinating, and evaluating designated units or certain personnel in accordance with the organization's policies and applicable laws. Responsibilities may include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; providing pay change recommendations; disciplining employees; addressing complaints and resolving problems.


QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

• High school diploma or GED required. Bachelors (4-year college) degree preferred but not required.
• Working knowledge of real estate loan documentation preferred.
• Working knowledge of lending regulations preferred.

COMPUTER AND OFFICE EQUIPMENT SKILLS

• Microsoft Office Suite



Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)