Mortgage Loan Originator (Bozeman)

First Western is seeking an Mortgage Loan Originator to join our team. As a Mortgage Loan Originator at First Western, you will play a vital role in helping high-net-worth clients achieve their financial goals. You will work closely with our Bozeman Mortgage team to deliver comprehensive solutions that exceed client expectations.

About the Role

• Recognized as a trusted mortgage origination expert and trusted advisor in the market based on long-standing relationships with a wide variety of referral partners.
• Spend more than 50% of working time away from First Western’s office(s) engaged in soliciting new mortgage loan business.
• Extensive knowledge and experience with a wide variety of loan program requirements and investor guidelines including FNMA, FHLMC, FHA, VA, USDA, DPA Programs, JUMBO and FHLB products.
• 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.
• 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.
• 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.
• Maintain and meet volume goals as established by the sales management team.

Responsibilities

• 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
• Solid understanding of mortgage loan processing, underwriting, and closing
• Professional presentation, written and verbal communications skills
• Detail-oriented
• Ability to work independently and with an operations team
• Focus on providing outstanding customer service and meeting critical deadlines

Requirements

• Required Education Level: Bachelor's Degree, or equivalent work experience
• Experience Level: 1-3 years, Recent residential mortgage lending experience, preferably within a bank environment
• Licenses/Certifications: Active NMLS registration, upon hire

Qualifications

• Preferred Education Level: Bachelor's Degree, or equivalent work experience
• Preferred Experience Level: 1-3 years, Recent residential mortgage lending experience, preferably within a bank environment
• Preferred Licenses/Certifications: Active NMLS registration, upon hire

Skills

• 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
• Solid understanding of mortgage loan processing, underwriting, and closing
• Professional presentation, written and verbal communications skills
• Detail-oriented
• Ability to work independently and with an operations team
• Focus on providing outstanding customer service and meeting critical deadlines

Benefits

• At First Western, we pride ourselves on our culture of innovation, teamwork, and continuous learning. We are committed to providing our employees with the tools and resources they need to succeed, including ongoing training and development, a competitive compensation package, and a comprehensive benefits program.
• Pay Range: $40,000 base plus commission
• Job Classification: Full-Time Exempt
• Time Frame: Actual offer will be based on experience, location, education, and/or skills
• 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

What You Receive

• At First Western, we are fully committed to achieving a diverse workforce by hiring, developing, and retaining talented people from different backgrounds, experiences, abilities, and perspectives.
• Individuals from all backgrounds, including non-traditional backgrounds, historically marginalized, or underrepresented groups are strongly encouraged to apply.
• First Western Financial, Inc. is committed to the full inclusion of all qualified individuals.
• In keeping with our commitment, First Western Financial, Inc. will take the steps to assure that people with disabilities are provided reasonable accommodations.