First Interstate BancSystem Mortgage Loan Officer in Billings, Montana
\*\*If you are a current FIB employee, please apply through the Career
Worklet in the Employee Portal.
Originates permanent residential mortgage loans and participates in
related business development activities. Incumbents have a thorough
knowledge of FHA, VA, RD, state Bond Programs as well as conventional
real estate regulations. They have more than three years of experience
in residential mortgage lending and are capable of handling all but the
most complex loans.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following; other duties
may be assigned.
Handle inquiries and pre-qualify customers by learning the applicants
housing goals and time frame
Setting proper expectations with all affected parties that are
Loan application process: recommend to customer the loan options
Convert lead to full application: if borrower pre-qualified, turn into a
full application, provide proper documentation to processor
Follow Ability To Repay guidelines as set by FIB and the investor
Credit report: obtain report and understand the data and approval
Lock the interest rate when the customer requests or approves
Manage pipeline, work load, and stay in touch with all parties involved
Understand and navigate within the Loan Origination System
Market your services to the bank partners, realtors, and builders
Full understanding of compliance and meet all requirements
To perform this job successfully, an individual must be able to perform
each essential duty satisfactorily. The requirements listed below are
representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.
EDUCATION &/or EXPERIENCE
Bachelor's degree (B. A.) from a four-year College or University and
three to five years related experience and/or training; or equivalent
combination of education and experience.
CERTIFICATES, LICENSES, REGISTRATIONS
This position requires compliance with the S.A.F.E. Mortgage Licensing
Act of 2008 and all related regulations. Employment is contingent upon
meeting all such requirements, including acceptable background
Valid driver's license is required.
As a condition of employment, any successful job applicant will be
required to pass a pre-employment screening against the Limited Denial
of Participation (LDP), GSA Excluded Party List System (EPLS) and
Freddie Mac Exclusionary List.
Ability to read, analyze, and interpret general business periodicals,
professional journals, technical procedures, or governmental
regulations. Ability to write reports and business correspondence.
Ability to effectively present information and respond to questions from
groups of managers, clients, customers, and the general public.
Ability to calculate figures and amounts such as discounts, interest,
commissions, proportions, percentages, area, circumference, and volume.
Ability to apply concepts of basic algebra and geometry.
Ability to define problems, collect data, establish facts, and draw
valid conclusions. Ability to interpret an extensive variety of
technical instructions in mathematical or diagram form and deal with
several abstract and concrete variables.
While performing the duties of this job, the employee is regularly
required to talk or hear. The employee frequently is required to reach
with hands and arms. The employee is occasionally required to stand;
walk; sit; use hands to finger, handle, or feel objects, tools, or
controls; and stoop, kneels, crouch or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision,
distance vision, and color vision.
The work environment characteristics described here are representative
of those an employee encounters while performing the essential functions
of this job. Reasonable accommodations may be made to enable individuals
with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.\*\*If you
are a current FIB employee, please apply through the Career Worklet in
the Employee Portal.
Our company is an equal opportunity employer. Employment here is based
solely upon an individual's merit and qualifications directly related to
the position. We do not discriminate on the basis of race, color,
religion, national origin, ancestry, pregnancy status, sex, age, marital
status, disability, medical condition, or any other characteristics
protected by law. We make all reasonable accommodations to meet the
obligations set forth under the Americans with Disabilities Act (ADA)
and state disability laws.