• Proficient in products, services and routine transactions in order to identify opportunities to educate on Bank products and services to Customers and/or refer them to appropriate team member or internal Bank partners, while ensuring a positive Customer experience • Requires a broad knowledge and understanding of the full product suite, services and processes of business area, and could be characterized by low to moderate complexity/risk • Establishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs while engaging in additional conversation to identify any additional needs and offer a solution or partner referral • Makes product recommendations based on Customer needs and highlights product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needs • Utilizes Customer relationship management tools to proactively play a key role in customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activities • Independently resolves customer issues, errors and problems, escalating when necessary • Builds working relationships with customers and explains detailed and/or complicated information • Participates in Customer outreach, servicing and advice activities to deliver on our unexpectedly human promise • Engages in conversations with customers about loan products, facilitates the application intake

• Advise customers of high-level financial solutions from a range of available investment and credit banking solutions • Engage with customers and create positive experiences to retain and deepen relationships • Provide personalized financial advice, answering customer questions, and addressing their concerns • Act as a point of contact for the frontline staff in handling customer problems • Work closely with existing and prospective customers to provide financial reviews, discuss portfolio updates and suggest additional personalized solutions • Stay knowledgeable about emerging issues, evolving regulations and industry codes of conduct • Ensure documents are prepared consistent with relevant regulations • Participate fully as a team member, help build a positive and diverse work environment

Role Description The Mortgage Banker (Core Producer) is a mid- to senior-level sales and production role for an established, high-performing mortgage professional. At this stage of your career, you possess a proven track record of loan origination and a self-sustaining network of referral partners (such as realtors, builders, and financial planners). Your primary focus is to drive loan volume, consult strategically with clients to structure complex residential mortgages, and ensure seamless lending experience from application to funding. This role offers high earning potential through a competitive commission structure and the operational support needed to scale your personal business. Essential Functions: - Business Development: Actively cultivate and maintain an independent network of professional referral sources to consistently generate a strong pipeline of residential mortgage leads. - Loan Consultation & Structuring: Conduct comprehensive financial discovery with clients to analyze their credit, income, and asset profiles, advising them on the optimal loan products (FHA, VA, Conventional, Jumbo) for their needs. - Origination Excellence: Take complete, high-quality loan applications and oversee the initial file disclosure process, ensuring strict adherence to federal and state regulations. - Pipeline Management: Partner effectively with dedicated processing, underwriting, and closing teams to monitor milestones, clear conditions, and ensure clean, on-time loan closings. - Client & Partner Relationship Management: Act as the primary advisor throughout the transaction, keeping borrowers and real estate agents proactively informed of loan status and market movements. - Market Mastery: Maintain an expert-level understanding of evolving secondary market trends, interest rate environments, and guideline updates to position yourself as a trusted market authority. Qualifications - Advanced Product Knowledge: Deep expertise in structuring standard and non-conforming loan products, with a sharp eye for handling complex tax returns, self-employed borrowers, and unique asset scenarios. - Sales & Negotiation Mastery: Exceptional relationship-building skills with a demonstrated ability to convert leads, overcome objections, and win business in shifting market cycles. - Regulatory & Compliance Expertise: Comprehensive mastery of mortgage compliance standards, including TRID, RESPA, HMDA, and fair lending practices. - Proficiency with Industry Tech: Expert-level fluency with Loan Origination Systems (e.g., Encompass), automated underwriting systems (DU/LP), and customer relationship management (CRM) platforms. - Problem-Solving & Resilience: Strong analytical skills to creatively navigate difficult files and resolve processing bottlenecks while maintaining a calm, professional demeanor. Requirements - Experience: Minimum of 3–5 years of successful, continuous experience as a producing Mortgage Loan Originator (MLO) with a verifiable track record of consistent monthly production volume. - Licensing: Must possess an active National Mortgage Licensing System (NMLS) license in good standing, including all required state-specific licenses. - Education: Bachelor’s degree in business, Finance, or a related field is preferred, but equivalent industry experience and a proven production history are highly valued. Physical Requirements - Mobility & Travel: Ability to travel frequently within the local market to meet with clients, attend networking events, and visit real estate offices. - Flexible Schedule: Willingness to work irregular hours, including evenings and weekends, to accommodate client schedules and time-sensitive market conditions. - Sedentary Work: Regular periods of desk-based work, including phone consultations, video meetings, and computer-based data analysis. - Visual & Audio Acuity: Must be able to communicate clearly via phone/video and review extensive legal and financial documentation on a computer screen for long intervals. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage, voluntary Supplemental Life, and voluntary Short-Term and Long-Term Disability insurance. - Option to participate in a company retirement plan. Company Description Bank19, a division of First Bank and Trust of Memphis, is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. Bank19 is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job.

Role Description The Mortgage Banker (Core Producer) is a mid- to senior-level sales and production role for an established, high-performing mortgage professional. At this stage of your career, you possess a proven track record of loan origination and a self-sustaining network of referral partners (such as realtors, builders, and financial planners). Your primary focus is to drive loan volume, consult strategically with clients to structure complex residential mortgages, and ensure seamless lending experience from application to funding. This role offers high earning potential through a competitive commission structure and the operational support needed to scale your personal business. Essential Functions: - Business Development: Actively cultivate and maintain an independent network of professional referral sources to consistently generate a strong pipeline of residential mortgage leads. - Loan Consultation & Structuring: Conduct comprehensive financial discovery with clients to analyze their credit, income, and asset profiles, advising them on the optimal loan products (FHA, VA, Conventional, Jumbo) for their needs. - Origination Excellence: Take complete, high-quality loan applications and oversee the initial file disclosure process, ensuring strict adherence to federal and state regulations. - Pipeline Management: Partner effectively with dedicated processing, underwriting, and closing teams to monitor milestones, clear conditions, and ensure clean, on-time loan closings. - Client & Partner Relationship Management: Act as the primary advisor throughout the transaction, keeping borrowers and real estate agents proactively informed of loan status and market movements. - Market Mastery: Maintain an expert-level understanding of evolving secondary market trends, interest rate environments, and guideline updates to position yourself as a trusted market authority. Qualifications - Advanced Product Knowledge: Deep expertise in structuring standard and non-conforming loan products, with a sharp eye for handling complex tax returns, self-employed borrowers, and unique asset scenarios. - Sales & Negotiation Mastery: Exceptional relationship-building skills with a demonstrated ability to convert leads, overcome objections, and win business in shifting market cycles. - Regulatory & Compliance Expertise: Comprehensive mastery of mortgage compliance standards, including TRID, RESPA, HMDA, and fair lending practices. - Proficiency with Industry Tech: Expert-level fluency with Loan Origination Systems (e.g., Encompass), automated underwriting systems (DU/LP), and customer relationship management (CRM) platforms. - Problem-Solving & Resilience: Strong analytical skills to creatively navigate difficult files and resolve processing bottlenecks while maintaining a calm, professional demeanor. Requirements - Experience: Minimum of 3–5 years of successful, continuous experience as a producing Mortgage Loan Originator (MLO) with a verifiable track record of consistent monthly production volume. - Licensing: Must possess an active National Mortgage Licensing System (NMLS) license in good standing, including all required state-specific licenses. - Education: Bachelor’s degree in business, Finance, or a related field is preferred, but equivalent industry experience and a proven production history are highly valued. Physical Requirements - Mobility & Travel: Ability to travel frequently within the local market to meet with clients, attend networking events, and visit real estate offices. - Flexible Schedule: Willingness to work irregular hours, including evenings and weekends, to accommodate client schedules and time-sensitive market conditions. - Sedentary Work: Regular periods of desk-based work, including phone consultations, video meetings, and computer-based data analysis. - Visual & Audio Acuity: Must be able to communicate clearly via phone/video and review extensive legal and financial documentation on a computer screen for long intervals. Benefits - Comprehensive benefit package including Health, Dental, and Vision Insurance. - Options to participate in a Health Savings Account and Flexible Spending Account. - Life and AD&D coverage. - Voluntary Supplemental Life, Short-Term, Long-Term Disability, and Supplemental insurance. - Option to participate in a company retirement plan. Company Description Bank19, a division of First Bank and Trust of Memphis, is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. Bank19 is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job.