Glacier Bancorp Mortgage Loan Originator in Bozeman, Montana
Mortgage Loan Originator
First Security Bozeman Downtown
First Security Bozeman
Real Estate Lender Position
Hours: Full-Time – Non Exempt Status
Reports To: Robert Gregory, Senior Vice President, Real Estate Manager
The Real Estate Lender position is responsible for originating residential mortgage loans and consumer loans.. Specific focus will be on obtaining loan applications, business development, interviewing clients, analyzing financial and related data, determining
appropriate pricing and loan structure and making appropriate loan decisions. Requires knowledge and exercises all regulatory and compliance guidelines. Must be team and sales oriented and have excellent communication and interpersonal skills. Requires self-direction,
tact, diplomacy and a clear, courteous and professional manner when dealing with the public and other employees. Self-starter with ability to adapt to change, work under pressure and attention to detail. Position that requires great customer service skills,
positive attitude and expressed enthusiasm.
Interviews loan applicants, analyze credit worthiness and reach accurate credit decisions.
Responsible for all aspects of loan application, processing and closing. These tasks include insuring that all government, secondary market, and bank policies are adhered to; acceptable title insurance, appraisals, credit reports, etc. are received; loans
are closed and delivered to their ultimate destination in a timely manner.
Monitors and acts appropriately on past due loans to insure compliance with the bank’s goals.
Generates and fully completes the mortgage loan applications. Works with a loan process/closer/underwriter to complete all documentation required for loan approval as quickly as possible. Makes sure details on loan documentation are complete and correct prior
to closing to insure accuracy and are in compliance with state and federal regulations, bank policy and compliance regulations.
Active in calling on existing customers, prospective customers, and various community organizations in order to professionally represent the bank and insure its continued good standing and growth in the communities we serve.
Demonstrates knowledge on current loan programs, and lending (federal and state) regulations as well as all compliance and bank policies and procedures.
Responsible for compliance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) including providing all required information to be registered in the state of Montana MLO registry.
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. Must complete the assigned online training for courses
and achieve a passing score by due date.
Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.
Various other tasks, duties, and responsibilities as assigned.
Desired Minimum Qualifications:
- Education and Experience:
Bachelor’s degree in business, finance, or accounting and three years experience in real estate lending, processing, and supervision or the equivalent combination of education and experience.
A minimum of one year Secondary Market Real Estate Lending experience.
Maintain a current registry record and identifying number with the National Mortgage Licensing System (including submitting personal information and fingerprints for a criminal background check).
- Knowledge, Skills, and Abilities:
The applicant must have reasonable real estate lending knowledge and experience.
Strong understanding and knowledge of financial institution products and services.
Demonstrated ability to research, interpret and apply laws, rules and policies to bank lending.
Demonstrated ability to exercise good judgment in handling confidential and sensitive information.
This position may require work outside normal banking hours, and travel.
Must be willing to represent the bank in a positive manner at all times.
Must have a basic understanding of all bank functions and operations.
Must be able to work independently and in a team environment.
Must be able to communicate effectively both verbally and in writing.
Must possess excellent computer skills.
Must be capable of a high volume workload while maintaining positive inter-personal relations within the bank staff, existing customers, new customers, and the community in general.
Physical Demands and Working Environment
The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job the employee is regularly required to sit, talk, hear, reach with hands and arms, use hands to finger, handle and feel items, write, read, and keyboard. The employee is occasionally required to stand, walk, climb, stoop,
or kneel and crouch when retrieving information or documentation. The employee may be required to lift and/or move up to 25 pounds periodically. Specific vision abilities required by this job include, close vision, distance vision, peripheral vision, depth
perception and ability to adjust focus.
The work environment consists of working primarily indoors, working with others and working around others. The noise level in the work environment is usually moderate.
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position. Alternative equivalencies to position qualifications may be considered.
Salary: Base plus commission
Apply online at www.ourbank.com
- 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.