Location: On site at location listed in job posting.

Summary:

A Mortgage – CRA Loan Officer is responsible for originating CRA residential mortgage loans to low-to-moderate income and minority customers primarily through outside sales efforts and submitting applications and facilitating essential communication between parties throughout the loan process for the business generated by outside sales efforts.

Essential Duties and Responsibilities:

Increases mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers, through effective selling

* Advises customers on the mortgage loans that are appropriate for their individual financial circumstances, interviews applicants, and collects financial data and documents

* Assists buyers in the purchase process through closing

* Actively promotes the Bank’s CRA, low-to-moderate, and minority lending efforts and generate residential mortgages in targeted areas

* Establishes relationships with nonprofit housing groups, state and local housing offices, and community based affordable housing organizations to generate and increase  CRA mortgage opportunities within targeted areas

* Actively works with state, local and county down payment assistance programs

* Represents the bank at educational seminars, workshops, and housing programs with state and local, and non-profit housing organizations

* Becomes a leader in the community when it comes to mortgages and mortgage knowledge

* Builds and deepens relationships with industry-specific centers of influences like real estate agents and contractors

* Maximizes the bank’s resources to assist in selling and establishing relationships

* Cross-sells bank products at each mortgage closing

* Complies with all appropriate bank policies and regulatory guidelines

* Performs other duties as required

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

1. High school diploma or GED and 0-2 years of experience or equivalent combination of education and experience

About Us
First Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.

Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.
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