Mortgage Loan Originator (Bozeman) *Base + Commission*

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 Required 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

What You Receive

• Culture of innovation, teamwork, and continuous learning
• Competitive compensation package
• Comprehensive benefits program
• 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

Benefits

• Attractive bonus potential
• Equal Opportunity Employer
• Commitment to diversity and inclusion