Mortgage Banker

The First Bank and Trust Company is seeking a Mortgage Banker in Lillington, NC. The Mortgage Banker is responsible for developing and originating mortgage business for the Mortgage Division of The First Bank and Trust Company.

POSITION SUMMARY: The Mortgage Banker is responsible for standard credit administration by reviewing financial statements, tax returns/documents, payroll statements and other pertinent income verification documents. The individual will review and analyze credit reports to determine creditworthiness. The Mortgage Banker will be expected to prospect and refer business to other bank business lines such as Commercial, Agricultural, Deposit and Wealth Management Divisions. The individual may be expected to participate in sales, marketing, training and strategic planning as part of the Mortgage Division and First Bank & Trust as a whole.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Development and origination of mortgage business.
• Establishment of relationships with realtors, builders and branch personnel.
• Bank representative at local community functions.
• Knowledge of mortgage loan documentation and underwriting concepts.
• Organizational and communicational skills.
• Cross sells bank products and services.
• Other duties as assigned.

MINIMUM EDUCATION AND EXPERIENCE:

• Associates Degree - Accounting, Business and/or Finance
• Work Experience may be considered in lieu of a Bachelor’s Degree
• Five or more years of related banking experience

MINIMUM SKILLS AND ABILITIES:

• Excellent communication skills, both written and verbal.
• Networking skills
• Working knowledge of Word and Excel
• Strong leadership and interpersonal skills.
• Math and accounting skills

BENEFITS:

• Medical, Dental and Vision Insurance
• 401K/ESOP Plan
• Life Insurance
• Flexible Spending Accounts
• Long Term Disability Insurance
• Group Policies (Accident, Hospital & Critical Illness)
• AFLAC Individual Policies (Short Term Disability & Cancer)
• Leave - Vacation, Sick, Marriage and Bereavement

COMPLIANCE: The employee has the responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies and those regulations and policies inherent to position requirements.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this Job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: Typical office environment, travel to customer locations and branches in the serving area.

CONFIDENTIALITY: Confidential information concerning a customer, system, design, program or product unique to First Bank & Trust Company shall not be used for personal gain. Such information shall not be revealed to any person outside the Bank without the consent of the individual or organization involved or as otherwise permitted by law.

The statements on this job description are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Employees may perform other duties as assigned. In addition, all First Bank and Trust employees are expected to:

• Promote teamwork and cooperative effort
• Help train and give guidance to other employees
• Maintain a clean, safe, and unobstructed work area
• Provide customers with the highest quality of products and service
• Understand and apply appropriate quality improvement processes
• Comply with corporate policies and procedures