Careers

Apply to Norfolk Now

Summary

This position is located in Norfolk, NE and is responsible for assisting customers who are purchasing or refinancing a home, obtaining a second mortgage or home equity line of credit.  The Mortgage Loan Originator will be responsible for achieving assigned production volume in new mortgage loan originations by developing business contacts and real estate broker relationships, cultivating internal and external referral sources, attracting new mortgage customers, and by providing a positive customer experience.   

Responsibilities

• Responsible for interviewing potential borrowers, discussing loan programs, analyzing applicant information for loan program qualifications, discussing interest rate options and assists in the completion of the Universal Residential Loan Application.  In addition, is responsible for collection of signed disclosures, and other pertinent documentation, as required to allow for timely processing and underwriting of borrowers’ loan request.
• Responsible for negotiating with borrower according to established guidelines.  (i.e. interest rate, fees, loan programs, loan terms, etc.)
• Responsible for determining the proper loan program, inputting information into the necessary software program and submitting loan through the automated underwriting system.
• Responsible for reviewing and obtaining appropriate customer information to submit for secondary market underwriting requirements.
• Responsible for reviewing and obtaining necessary information/documents as required for investor purchase guidelines.
• Responsible for reviewing the credit report to determine any contingent debt or other significant obligations that were not reported by the borrower.
• MLO to lock/register loan with appropriate staff.   Verify lock confirmation is received, and is correct according to what was discussed with the borrower.
• Responsible to keep borrower informed in timely fashion, concerning the progress of their loan application and to request additional information and/or resolve questions as applicable.
• Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
• Responsible to inform borrowers of loan rejections, as directed by the mortgage loan underwriting system, by completing necessary documentation as required.
• Responsible for developing prospects to allow for an increased market share.  Promotes First Nebraska Bank and cross-sells other established products and services.
• Develop and maintain successful relationships with business referral sources, existing and prospective FNB bank customers.
• Additional related duties may be assigned.
• Accountable for complying with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures.

Skills

• Strong customer service skills, and communication skills
• Enjoys working with the public
• Self-motivated and growth oriented.  Takes initiative and uses good judgment in making appropriate decisions
• Ability to analyze credit factors, including various financial statements and tax returns
• Organized, accurate and detail-oriented
• Ability to sell additional FNB products and services to clients

Qualifications

• College Degree in Business, Finance/Accounting or related field  and 1-3 years of mortgage lending experience – or - High School Diploma or equivalent with a minimum of 3-5 years of mortgage lending experience 
• Must have working knowledge of residential real estate procedures, as well as knowledge of related laws and compliance regulations.
• Appropriate lending licenses, as required.  This position requires compliance with the S.A.F.E. Mortgage
• Licensing Act of 2008 and all related regulations.  (i.e. NMLS#)
• Valid Driver’s License
• Bilingual speaking in Spanish/English desired
• Proven leadership in the areas of retail lending, sales & customer relationships
   

First Nebraska Bank is an Affirmative Action and Equal Opportunity Employer.

APPLY NOW TO COLUMBUS

Summary:

This position is located in Columbus, NE.  This is NOT a remote position.  Individual will be expected to provide  outstanding customer service to bank clients using First Nebraska Bank’s interactive teller machines, as well as answering incoming calls from customers.  This position requires someone who enjoys assisting people and working with technology.  Primary responsibilities include routinely handing financial transactions and assisting customers with ongoing account support.

Hours: 

    8 a.m. - 5 p.m.  Monday - Friday. 

Responsibilities:

• Ensure each customer receives outstanding service by providing accurate information, building rapport and processing all transactions as efficiently as possible.
• Conduct  bank transactions including deposits, withdrawals, loan payments and other typical teller transactions.
• Answer incoming calls from customers and handle call or direct to proper bank personnel, if required.
• Assist with online banking and mobile banking inquiries.
• Promote bank products and services by identifying and communicating opportunities to customers.
• Comply with all bank policy surrounding customer privacy and treat all transactions in customer information with confidentiality.
• Utilize time management skills to promote department efficiencies.
• Additional related duties may be assigned as appropriate.
• Comply with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures.

Knowledge and Skills:

• Excellent verbal, listening, and written communication skills.
• Excellent telephone and interpersonal skills
• Demonstrates a high degree of accuracy and attention to detail.
• Proficient in windows-based computer software knowledge.
• Ability to apply problem solving skills and trouble-shoot technology issues.
• Comfortable working in a virtual environment with ‘on-screen’ customer interaction.

Qualifications:

• High school diploma or GED
• Bilingual required.
• Service/ Retail industry; Customer Service, Banking experience preferred
• Present a professional appearance and demeanor to customers at all times.
• Ability to work flexible hours, including Saturday mornings.

Physical Demands:

• While performing the duties of the job, the employee is frequently required to sit, with the option to use a standing desk.
• The employee will constantly use an interactive teller machine and headset, as well as other standard office equipment inside an office building.

First Nebraska Bank is an Affirmative Action and Equal Opportunity Employer.