First Savings Financial Group, Inc. is the holding company for First Savings Bank. First Savings Bank has sixteen offices in the Indiana communities of Clarksville, Jeffersonville, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, English, Leavenworth, Marengo, Montgomery, Odon and Salem. Our mission is to create a higher quality of life for our customers, our employees, our community and our shareholders. We are committed to building customer relationships, conducting business with integrity, providing the best customer service and we count on our employees to deliver that outstanding service. We encourage an environment that supports teamwork, collaboration and cooperation. Career opportunities are available to individuals who want to be a part of our continued success and we value a diverse workforce. We also provide an excellent benefit package.

Equal Opportunity Employer Minorities, Women, Disabilities, Veterans

The Mortgage Lender is responsible for establishing relationships with other First Savings Bankers in the market to convert internal referrals into loans by promoting First Savings Bank (FSB) competitive mortgage products, services, and programs. Additionally the Mortgage Lender is responsible for establishing relationships with outside centers of influence to source new clients. You will facilitate the relationship between the bank and the borrower throughout the lifecycle of the mortgage process while maintaining minimum standards for production and quality. The Mortgage Lender will ensure all compliance guidelines are strictly adhered to and will act in accordance with the corporate ethics policy and ensure all business is conducted with the utmost integrity.

• Continually identify, develop, and maintain a quality network of business relationships and serve as a recurring source of referrals for new lending opportunities to grow portfolio of leads including those from the core bank employees
• Interview loan applicants, collect and review financial and related information, and determine the general creditworthiness of the prospect and the specific merits of the loan request for purchase, refinance and construction loans on residential real estate property.
• Establish and negotiate the terms under which credit will be extended, including the costs, repayment method, collateral requirements, and other relevant information.
• Approve loans within the Bank’s loan policy and the lender’s individual lending limits.
• Refer creditworthy loans above lending limit, as well as those outside the policy, to the appropriate manager or loan committee.
• Develop materials for the presentation of loans as necessary.
• Assure the appropriate reports are completed accurately and filed in a timely manner.
• Own the primary communication, collection and upload of required documents from borrower and proactively communicate with borrowers throughout the lifecycle of the mortgage process
• Quickly communicate approvals or denials to loan applicants.
• Inform clients of institutions underwriting guidelines and applicable government regulations.
• Communicate complex approvals to real estate agents or builder as appropriate.
• Manage personal pipeline to ensure service standards, financial goals and objectives for individual performance as it relates to overall bank goals.
• Introduce customers to all bank products, cross-selling as appropriate.
• Participate in community activities to increase the Bank’s visibility and to enhance new business opportunities.
• Keep up with educational requirements and maintain a working knowledge of laws regulations, programs and products
• Review all accounts in delinquent or past due status, and take appropriate actions to collect and bring accounts to current position.
• Quickly identify problem loans and discuss with the appropriate manager or loan committee.
• Maintain loan files and review as necessary for adequate collateral and security coverage as required by Bank’s loan policy.
• Comply will all applicable federal and state compliance guidelines relative to the position
• Carry out such other duties as may be assigned or requested.

Job Requirements:

• Bachelor’s degree or equivalent experience in residential mortgage sales preferred
• Two to five years’ experience in collecting and analyzing borrower income and negotiating skills
• Experience proactively soliciting new business
• Self-motivated with good organizational and interpersonal skills.
• Good verbal and written communication skills.
• Proficiency in standardized software applications, including Microsoft Office Suite
• Work location is flexible within the Southern Indiana and Louisville Metro area

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Application Question(s):

• Candidates must be located in the Southern Indiana or Louisville, KY area.

Are you located in this area?

Experience:

• residential mortgage sales: 3 years (Preferred)
• collecting and analyzing borrower income: 2 years (Preferred)

Work Location: Remote

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