Careers

Job Description

This position is responsible for developing and maintaining loans primarily to customers for commercial, small business, professional, construction, and commercial real estate purposes. It involves calling upon potential or existing customers to acquire new loans, maintain current banking relationships, and promote business development. This position will also complete additional branch lending functions for agriculture, installment, and real estate loans as needed.

Responsibilities:

• Interviews loan applicants to develop financial needs and determines financial credit worthiness.
• Gathers pertinent financial data, prepares a thorough credit analysis, loan presentation, and determines the acceptable risk and structure of the loan that comply with the Bank’s underwriting standards.
• Grants loans within lending authority and makes recommendations to the loan committee on loans above their lending authority.
• Closes loans, assuring conformity with all regulations and proper documentation.
• Ensure that the customers total financial service needs are identified and met and that customer relationships are strengthened through the consistent delivery of quality customer service.
• Contacts delinquent customers to collect on past due loans.
• Work with Branch personnel in the expansion and promotion of bank products and services to existing and new or prospective deposit and lending customers.
• Represents the bank in various civic and community organizations to further enhance its image and develop additional business both during and after bank office hours.
• 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 enjoys working with the public.
• Self-directed 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.
• Ability to sell additional FNB products and services to clients.

Qualifications

• Bachelor Degree in Business, Banking, Finance, or related field.
• Minimum 2-3 years of banking experience with emphasis in commercial lending.
• Appropriate lending licenses, as required.
• Valid Driver’s License.
• Good communication and demonstrated managerial/supervisory experience required.
• Additional lending experience including commercial, agricultural, installment, and real estate.

First Nebraska Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, age, national origin, sexual orientation, gender identity, physical or mental disability, or status as a protected veteran.

To apply, please see our Application Information section.

Job Description

This position 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.

Knowledge and 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

Physical Demands

• Ability to stand and /or sit for extended periods of time.

First Nebraska Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, age, national origin, sexual orientation, gender identity, physical or mental disability, or status as a protected veteran.

To apply, please see our Application Information section.