Careers at FEMBi Mortgage

 

FEMBi isn’t just a great place to work; it’s a place where you can build a long-lasting career. Whether you’re in operations or sales your FEMBi family will provide the environment and support that you need to reach your goals.

FEMBi is founded on a few simple core values. We use these values when making decisions about everything we do here at FEMBi:


FEMBi values SERVICE. We provide unmatched service, working our hardest to not only meet, but to exceed the expectations others have of us. We listen closely to hear the real needs of our customers, our partners and our people, and then we do what it takes to exceed those needs. We believe the best relationships are those where people feel both heard and served.


FEMBi values EXCELLENCE. We work hard to do the best job possible. We have no tolerance for mediocrity and complacency. We believe it’s not about effort; it’s about effectiveness. We work with agility to process loans as quickly as possible. We put the systems and resources in place to create exceptional experiences. We thoroughly troubleshoot issues, then provide solutions and experiences that generate the results people want and deserve.


FEMBi values INTEGRITY. We strive to do what’s right for our customers, our partners and our people, regardless of how it might impact our business. We always tell the truth. We don’t keep hidden agendas. We abide by industry rules and regulations.


FEMBi values COLLABORATION. We are nothing without each other, and we know it takes a team to get the job done. We value the experience and skills that each of our people and our partners brings to the table. We work together with our customers to identify their individual needs and come up with the best possible solutions to meet those needs.


FEMBi values ENJOYMENT. We are here to get the job done, but we believe you can have fun along the way. We do our best to make the mortgage loan process as simple and enjoyable as possible for our customers. We do our best to make our offices and our salespeople as relaxed, inviting and welcoming as possible. We know when our people don’t enjoy what they’re doing, they won’t do their best work possible. We celebrate accomplishments and victories along the way.


If you hold these values to be as important as we do, you’ll be opening a door of opportunity by joining our team.


Loan Officers

FEMBi Mortgage is home to some of the most successful Loan Officers in our business.  In most of the markets that we serve, many of the area’s top loan officers have made FEMBi their home. The reason is our dedication to excellent customer service and communication throughout the organization.

 

Products

FEMBi is a FNMA approved seller/servicer, an approved GNMA issuer, and a VA automatic lender. Besides the standard conventional, FHA and VA loan products, we offer a wide array of non-conforming and specialty products that include:


  • Very competitive JUMBO loans.
  • Our own foreign national product that we originate and service.
  • Domestic portfolio loan options.
  • Reverse mortgages including the reverse purchase program.
  • 203k Program
  • Construction-perm loans
  • FNMA Homepath
  • In-house condo approval process

Marketing Support

 

FEMBi ensures that our loan officers have access to the most innovative marketing tools in the industry. Each loan officer has access to:


  • Loan Toolbox: An industry-leading on-line application that provides an automatic email marketing platform along with an endless library of personalized flyers, mailers, and other value-added marketing materials for every category of mortgage prospects.  It also provides step by step guidance for planning and executing your marketing and sales strategy, as well as custom campaigns for approaching and closing your prospects.
  • Mortgage Returns: A custom connection to our Loan Operating System transfers all of you prospects and closed loan clients into this state-of-the-art customer management and retention system. From purchase and refinance prospect campaigns to birthday and loan anniversary notifications you’ll never miss an opportunity to touch your customers and prospects.
  • FEMBi Store: Our intranet-based company store provides an easy way for our loan officers to order FEMBi branded marketing material like pens, cozies, banners and presentation folders that are shipped directly to the LO.

Technology

 

FEMBi utilizes all of the components of Encompass for its loan origination, operations, underwriting, secondary marketing and servicing platforms. This ensures a smooth transition from one step to the next.  Supported in a remote desktop environment in the “cloud” you can access this reliable business system anywhere including your company-issued laptop, your home computer and even your Apple/Ipad.  All of our LOs are provided with a personalized web page where their customers can apply on-line. This info is automatically transferred to their prospect folder in Encompass and they are notified electronically that their client has applied.  To make the application process easier, we use electronic signatures for all application disclosures. Fast and easy is our goal.

 

Loan Processing Support

 

We know that a loan officer today is only as good as their support team.  At FEMBi, our local processors are monitored centrally by an assigned processing manager that ensures that your loan moves through the system in a timely manner.  You’ll be notified automatically as the loan moves from one step to the next. Our underwriting team is ready to provide support on scenario and product questions, and they personally call the processor on every loan approval. We want your clients and referral sources to remember you when they consider any mortgage financing, so it’s important that the loan closing goes smoothly. We deliver the loan closing instructions to the title company when the loan is submitted for clear to close to make sure everyone is ready to go well in advance of the closing date.

 

Compensation


Our Loan Officer Compensation plan is customized to each loan officer’s business model. You earn what you want, and what is supported by your target market and product mix. It’s one of the most aggressive plans approved by the CFPB.

Benefits

FEMBi offers a full range of benefits to all of its employees including:

  • Health
  • Dental
  • Vision
  • Life insurance
  • 401K with matching benefit
  • Supplemental insurance options 

Branch Managers 


Besides all of the support offered to our loan officers, FEMBi offers its Branch Managers the tools they need to meet their business plan objectives. We work closely with our managers to help shape policies and procedures that are utilized throughout the organization. It’s a team effort that pays dividends for the entire platform. Some of the tools provided by FEMBi to our branch managers include: 
  • Robust reporting capabilities to monitor your pipeline and sales processes. 
  • Assistance in recruiting including corporate based recruiting team that provides you with prospects in your market. 
  • Unique local direct-to-consumer marketing leads sent directly to your Loan Officers. 
  • Full financial support for start-up and on-going branch expenses. Very aggressive branch manager compensation plan that rewards you for running your business platform.
  • Full accounting, HR and payroll support – we take care of it all. 
  • Centralized loan set-up platform to handle all of the initial processing tasks before the loan is turned over to the branch for review and loan submission. 

Operations Staff

If you want to become part of one of the best mortgage operations teams in the business, FEMBi is where you want to be. Our team approach to the business creates an atmosphere that recognizes and rewards high achievers. If you are dedicated to communication and unparalleled customer service you may be a good fit for FEMBi. In addition to a great place to work, you’ll enjoy many benefits:

  • Health
  • Dental 
  • Vision Life insurance 401K with matching benefit 
  • Supplemental insurance options F
  • Flexible working hours 
  • Work at home options
If you are interested in exploring the possibilities of becoming a part of the FEMBi team, please contact careerus@fembi.com or call Ed Wilburn at 305-666-3333.