Mortgage Loan Originator

About The Role

Position can be located at the Stevensville or Hamilton branch.

Originates quality FHA, VA and conventional mortgage loans; manages customers through the entire loan process, from data collection and analysis through loan conclusion; and maintains positive client relationships

Administers booking and monitors performance to include review and collection

Develops contacts and networks with area professionals and others to develop referral sources

Participates in business development activities outside of the office, such as realtor open houses and home buyer seminars, and makes contacts through community networking

Complies with all banking laws and regulations.

 

Duties and Responsibilities:

 

Originate quality mortgage loans (i.e., saleable in the secondary market)

Set customer expectations and educate them on the entire mortgage origination process

Compile and analyze data for mortgage requests

Ensure all loans are priced within a reasonable tolerance of FSB’s normal pricing targets in order to ensure that each customer receives a fair and equitable loan price.

 

Develop business relationships with referral sources to generate customer leads for loans; referral sources include, but are not limited to realtors, builders, professional groups, and other bank personnel/departments

Maintains contacts and good working relationships to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.

 

Prepare loan applications and required disclosures in accordance with Bank standards and policies, and within the regulatory time limits

Oversee the entire loan process including, but not limited to, investigating loan program requirements, loan application completion and documentation, processing and closing

Work with mortgage processors and Underwriter to ensure timely and accurate service and to keep the customer and all related parties advised of the status of the application

Coordinate with processing and closing areas to facilitate a prompt and accurate loan closing.

 

Monitor the post-closing of construction loans by conducting inspections, reviewing loan draw requests against original cost breakdown, and approving loan draws for payment.

 

Manage operational responsibilities including monitoring loan pipeline, preparing sales production reports, and attending sales meetings.

 

Maintain current working knowledge of all Bank loan products, other bank products and services, applicable laws and regulations and related Bank policies and procedures

Cross-sell other Bank products such as deposit accounts, debit cards, credit cards, home equity lines of credit, and second mortgages

Keep abreast of developments in the mortgage industry and the Bank’s marketplace

Set and achieve challenging personal production and service goals.

 

Essential Functions:

 

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

Maintain strict confidentiality of customer’s personal and financial information.

 

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development

Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.

 

Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.

• Display excellent customer service with both internal and external clients
  

  Embody First Security Bank’s “Welcome” tenets:

• Warm – Demonstrate warmth; be genuine and approachable
• Engage – Engage with teammates and customers; be present in every interaction
• Listen – Actively listen to employees and clients
• Connect – Build relationships, connect with the community and teams
• Opportunity – Seek out opportunities to serve others
• Modify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate
• Experience – Create a true experience for the client by providing exceptional customer service on their financial journey

Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.

 

Position performs other duties as needed/assigned.

About You

Qualifications:

 

Two to five years of mortgage loan origination experience.

 

Bachelor’s degree (preferred degrees: business or finance)

An equivalent combination of education and experience may be considered.

 

Position is required to register and maintain active and current Mortgage Loan Originator registration with the National Mortgage Licensing System (NMLS) as required by law.

 

Must possess current, valid driver’s license.

 

Knowledge, Skills, Abilities:

 

Working knowledge of standard office equipment

Basic computer skill with working knowledge or ability to learn various office software including word processing, spreadsheets, 10-key, and general computer applications.

 

Working knowledge of credit structure and appropriate collateral; real estate loans and lending function, practices, and procedures; state, federal and industry banking compliance regulations and guidelines; applicable laws and regulations related to lending function.

 

Ability to analyze, evaluate and interpret bank policies, federal regulations, and other technical information; generate and/or exceed targeted annual production volume; deliver top performance in a fast-paced results-oriented environment; build trust and confidence with others; follow written and oral instructions; and make and defend decisions.

 

Proven ability to identify cross-selling opportunities and make effective referrals

Excellent attention to detail, organization skills, and problem-solving abilities

Strong interpersonal and communication skills, with a focus on customer experience.

 

A significant level of trust and diplomacy is required to be an effective subject matter expert in this position

In-depth dialogues, conversations, and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience

Communications can involve motivating, influencing, educating, and/or advising others on matters of significance

Courtesy, tact, and diplomacy are essential elements of the job

Relate to others in an open and accepting manner; friendly and approachable

Sense how others feel; treat others with fairness, dignity, and respect

Cultivate rapport with all persons encountered at work.

 

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques

Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.

 

Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers

We expect you, as an employee, to support our values and visions of Integrity, Service and Success.

 

Teamwork: Demonstrate ability to work independently and as part of a team

Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

 

Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.

 

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness

Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles

Communicate and demonstrate actions in a consistent manner

Respect others, regardless of individual capabilities, agendas, opinions or needs.

 

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.

 

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.

 

Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.

 

Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames

Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.

 

Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.

 

Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others

Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement

Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.

 

Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis

Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.

 

Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, bank values and goals

Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task

Define an end result, set or follow a course of action to achieve it, anticipate potential obstacles, and monitor progress to achieve desired result.

 

Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result

Use appropriate interpersonal styles and communication methods to gain acceptance of an idea, plan, activity, or product

Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.

 

Networking: Build networks of useful relationship necessary to achieve positive results

Know how organizations work; cognizant of different roles and positions of power and utilize this information to influence outcomes

Know how to work with people and organizations to reach successful outcomes.

 

Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm and readiness to undertake or experiment to improve the organization.

 

Results Oriented: Focus efforts and energy on successfully attaining clear, concrete, accurate, timely, and measurable outcomes of importance to the organization

Persistent even when challenged by obstacles or opposition

Achieve goals and brings projects to completion

Investigate, calculate, and proceed through a project or task to bring about a conclusion

Persistent and focused when faced with a series of challenging or uncertain situations

Demonstrate a concern for working well or for competing against a standard of excellence.

 

Working Conditions: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

 

Must be capable of up to 50% travel (e.g. 2 weeks or 10 days per month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities

Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

 

Physical Requirements: 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

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear

The employee is occasionally required to: stand; walk; and lift or reach with hands and arms

The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.

 

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators

Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary

Must be able to work extended hours or travel off site whenever required or requested by management

Must be capable of regular, reliable, and timely attendance

Must be capable of climbing/descending stairs in an emergency.

 

Specific lifting abilities required by this job include: Sedentary work

Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body

Sedentary work involves sitting most of the time

Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.

 

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position

We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays

Visit our website for more details!

 

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve

We welcome the opportunity to grow and change as our customers and communities do the same

Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out! 

 

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

 

Glacier Bancorp, Inc. does not sponsor applicants for work visas

All applicants must be legally authorized