Community Home Lending Officer

First Merchants - Hammond, IN

Full-time - Entry Level

Hammond, IN

Credit Intermediation and Related Activities

About the position

First Merchants is seeking a Community Home Lending Officer to join our team! The CHLO team has the passion and commitment of making possible the homeownership dream. A successful person in this role will drive to build long term relationships with internal and external customers, while expanding their customer base via center of influence referrals. They will focus on strong and consistent production results by servicing and originating mortgage loans for individuals in low and moderate income and minority neighborhoods.

Responsibilities

• Develop new business by cultivating CRA/LMI prospects and referral contacts (realtors, builders, teammate referrals, community partners and personal contacts).
• Advise prospects and customers concerning home loan products and process.
• Interview and take loan applications including the analysis of financial data and delivery of loan packages.
• Maintain knowledge of available loan products, processing, underwriting and escalation of exception procedures.
• Provide high level of customer service.
• Conduct and coordinate homebuyer-training seminars for CRA potential applicants.
• Participate in community affairs to increase FMB's visibility and enhance new business opportunities.

Requirements

• High school diploma or equivalent (GED).
• Two (2) plus years in mortgage lending, consumer lending, credit counseling or homeownership counseling.

Nice-to-haves

• Understanding of conventional and/or government lending guidelines.
• Understanding of residential first time home buyer processing, underwriting and closing process.
• Experience presenting financial education workshops with a focus on low and moderate income and minority neighborhoods.

Benefits

• Base Pay PLUS Bonuses
• Medical, Dental and Vision Insurance
• 401k
• Health Savings and Flexible Spending Accounts
• Vacation/Sick Time
• Paid Holidays
• Paid Parental Leave
• Tuition Reimbursement
• Additional Benefits