Mortgage Loan Originator

Position Summary

As a Mortgage Loan Originator, you will assist customers with their mortgage lending needs; analyze loan requests and make credit decisions based on mortgage lending policy. The Mortgage Loan Originator originates mortgage loans, strives to attain the mortgage market share and manages the entire loan origination process. They work to develop relationships with customers to create additional new business. In addition, they must thoroughly understand relevant legal parameters, internal policy and procedures, FDIC guidance, relevant accounting issues, compliance with regulations, and audit standards as they relate to job responsibilities and the administrative processes involved in choosing the proper course of action while adhering to and exemplifying our Core Values: Embrace Responsibility, Execute with Excellence, Pursue Growth & Learning, Thrive Together.

The entry-rate for this position is $25.92/ per hour (calculated for Evanston, WY)

Essential Functions:

• Identifies and develops relationships with potential new customers. Maintains and develops ongoing relationships with current customer base.
• Markets the Bank's mortgage lending program to companies and individuals within the real estate community and cross sells bank services.
• Participates in events that promote the Bank and supports the community.
• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet bank and regulatory standards. Approves or rejects loan applications or requests additional information. Establishes terms and conditions of an approved loan and reviews with customer.
• Works closely with the Corporate HUB to efficiently close all loans in a timely manner with proper documentation. Works with Corporate HUB team to ensure all disclosures reports, financial statements, tax returns, title insurance commitments and appraisals are reviewed prior to closings.
• Mentors Junior MLO's
• Evaluates acceptability of loan on secondary mortgage markets. Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations.
• Maintain current knowledge on FBWY's portfolio RE loan products and residential loan policy.
• Registers with the NMLS and maintains registration per SAFE Act requirements.
• Calls or visits customers who are delinquent on their loan payment to bring loan current.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Have open communication with supervisor through sharing and accepting suggestions and ideas. Promote team efforts in all areas. Adjustments to change are made as necessary while maintaining a positive attitude.
• Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training.
• 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.
• Additional Responsibilities
• Adhere to First Bank of Wyoming's Core Values.
• Keeps management appropriately informed of area activities and of any significant problems.
• Participate in Community Service and Bank sponsored activities that serve and support the mission and values of First Bank of Wyoming.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Represent First Bank of Wyoming in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
• Participates in required training, staff meetings, and lobby displays.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Other duties as assigned or requested.

Minimum Qualifications:

Education and Experience

• One to three years of similar or related experience; including preparatory experience is required.
• High school diploma or equivalent is required.
• Associates degree in business or finance, strongly preferred.
  • OR
• An equivalent combination of education, training and experience may be considered.

Required Knowledge, Skill, and Abilities:

• Have strong well-developed interpersonal skills in order to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers, regulators, and secondary market contacts.
• A high level of analytical ability to conduct residential real estate analysis and recommend alternatives available in cases where initial analysis revealed insufficient financial posture.
• Working knowledge of various mortgage regulatory guidelines (e.g. truth-in-lending, HMDA, RESPA, ECOA, FDPA, etc.)
• Good knowledge of real estate compliance
• Previous experience in residential and mortgage lending functions.
• Good knowledge of FHA, VA, USDA, WCDA, and conventional procedures
• Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications
• Knowledge of FBWY policy, procedures and products
• Excellent communication skills - in person, over the phone and through email.
• Time management
• Ability to multi-task and prioritize
• Sales/Marketing skills
• Problem Solving
• Customer Service Skills
• Excellent knowledge of Word, Excel, and PowerPoint
• Ability to maintain strict confidentiality
• Strong organizational skills
• Ability to apply policies and procedures and to maintain good relationships with employees.
• A commitment to community involvement
• Deliver exceptional customer service experience by acting with a client-first attitude.
• Ability to make personal connections, engage and educate clients, ask open-ended questions, and listen to establish trust and build lasting relationships.
• Display confidence with clients when sharing advice, product knowledge and solutions.
• Experience building and maintaining effective relationships with customers and internal partners.
• Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues.
• Proven ability to tailor features and benefits of products and service to clients with differing needs.
• Ability to learn products, services, procedures quickly and accurately

Interpersonal Skills: A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb (Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms. Body agility is emphasized. This factor is important if the amount and kind of climbing required exceeds that required for ordinary locomotion), balance (Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces. This factor is important if the amount of balancing exceeds that needed for ordinary locomotion and maintenance of body equilibrium), stoop (Bending body downward and forward by bending spine at the waist. This factor is important if it occurs to a considerable degree and requires full motion of the lower extremities and back muscles), Kneel (Bending legs at knee to come to a rest on knee or knees), crouch (Bending the body downward and forward by bending leg and spine), crawl (Moving about on hands and knees or hands and feet), push (Using upper extremities to press against something with steady force in order to thrust forward, downward or outward), pull (Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion).

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Working conditions: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

Travel: Must be capable of up to 25% travel (e.g. 1 week or 5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

Mental Requirements: Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

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.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.