Mortgage Loan Originator (Cheyenne, WY)

About the Role

First Western is seeking a passionate and experienced Mortgage Loan Originator to join our Cheyenne Mortgage team. You will play a vital role in helping high-net-worth clients achieve their financial goals by delivering comprehensive mortgage solutions that exceed client expectations.

Responsibilities

• Meet an individual annual sales goal in conjunction with the annual office sales goals.
• Develop and maintain a referral network through prospecting, networking, cold-calling, and community outreach efforts that promote the Bank and home-ownership.
• 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, including Realtor(s) and referral partners.
• Respond to all inquiries and referrals within 24 hours.
• Meet applicants either face-to-face or over the phone.
• Conduct interviews with potential applicants to determine appropriate loan programs/products.
• Analyze applicants’ income, financial information, and credit history, including completing a preliminary qualification for 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 communication skills.
• Detail-oriented.
• 1-3 years of recent residential mortgage lending experience, preferably within a bank environment.
• Active NMLS registration (required upon hire).

Preferred: Bachelor’s Degree or equivalent work experience.

Benefits

• Strong bonus potential.
• 401(k) Plan with Match.
• Paid parking/transportation benefits.
• Access to training and professional development programs.
• Sponsorship for obtaining professional certifications.
• Flex Spending Accounts.
• Health Savings Account.
• Health and wellness benefits.
• Paid Time-Off plus bank holidays.

Pay

Commission only.

Schedule

Full-Time Exempt.