Mortgage Loan Originator
First Western Trust · Rock Springs, WY · 3 wk ago
Engineering$40k/yrFull-time
About the role
First Western is seeking an Mortgage Loan Originator to join our team!
Responsibilities
- Individual annual sales goal component to be assigned in conjunction with the annual office sales goals
- On-going development of a referral network through prospecting, networking, cold-calling, and participating in community outreach efforts that promote the Bank and home-ownership.
- Consistently spend more than 50% of working time away from First Western’s office(s) engaged in soliciting new mortgage loan business.
- Provide exceptional customer service by overseeing each loan transaction through processing and closing, and effectively communicating updates to all parties to the transaction including Realtor(s) and referral partners.
- Respond to all inquiries and referrals within 24 hours.
- Met applicants either face-to-face or over the phone.
- Conduct interviews with potential applicants to determine the appropriate loan programs/products.
- Analyze applicants’ income, financial information, and credit history, including completing a preliminary qualification for the identified loan programs.
- Present a full and complete loan application with supporting documentation to the operations team within 72 hours.
- Complete all initial and subsequent loan disclosures with absolute accuracy and timeliness required by TILA, RESPA, and MDIA regulations.
- Meet volume goals as established by the sales management team.
- Attend all sales meetings and successfully complete all required training.
Requirements
- Proficient in Microsoft Office Suite
- Strong understanding of MS applications, database/CRM tools, loan origination application systems and loan pricing engines
- Solid understanding of mortgage regulatory requirements, including but not limited to the SAFE Act, Dodd-Frank, HMDA, TILA, RESPA, ECOA, Fair Lending, and the Fair Housing Act
- Demonstrated success in cultivating and maintaining a quality referral network
- Ability to analyze and calculate income from complex financial data
- Solid understanding of mortgage loan processing, underwriting, and closing
- Professional presentation, written and verbal communications skills
- Detail-oriented
Qualifications
- Education Level: Bachelor's Degree, Or equivalent work experience, Required
- Experience Level: 1-3 years, Recent residential mortgage lending experience, preferably within a bank environment, Required
Skills
- Active NMLS registration, Upon Hire, Required
Benefits
- Strong Bonus Potential
- 401(k) Plan with Match
- Paid Parking/Transportation Benefits
- Access to Training & Professional Development Programs
- Sponsorship for Obtaining Professional Certifications
- Flex Spending Accounts
- Health Savings Account
- Health & Wellness Benefits
- Paid Time-Off+ Bank Holidays
Pay
Pay Range: $40,000 base plus Commission
Schedule
Job Classification: Full-Time Exempt