Mortgage Loan Originator - Denver, United States - Collegiate Peaks Bank

Description

About the Role:

Summary:

Originates first and second mortgages, loan assumptions and endorsements. Solicits new mortgage business, maintains good outside working relationships, and promotes the organizations products and services.

The compensation base pay for this position is $24.04 per hour and has a Commission Incentive Plan. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

Primary Duties/Responsibilities:

• Determine financing objectives and goals. Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed.
• Receives and screens loan applications. Pulls, review and analyzes credit. Gathers financial data. Notifies client to resolve discrepancies such as late payment history, judgments, etc. Discusses options. Informs client of closing costs such as appraisals, and attorney fees.
• Prepares records and reports as requested regarding loan origination and closing activities as needed.
• Collects supporting loan documentation. Makes requests for a personal employment and credit check of the applicant(s) and order the appraisal for the property and/or construction plans under consideration.
• Maintain constant communication with clients via email, phone, and mail, from application, to closing, and post-closing. Communicate with attorneys, realtors, appraisers, and vendors pertaining to specific client needs.
• Maintains contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.
• Receives inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.
• Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.

Other Job Functions:

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, RESPA, Regulation B, TRID and any other Mortgage related regulations.
• Adhere to the Core Values of Collegiate Peaks Bank.
• Keeps management appropriately informed of area activities and of any significant problems.
• Participate in Community Service, CRA and Bank sponsored activities that serve and support the mission and values of Collegiate Peaks Bank.
• 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).
• Complete required GBCI assigned OnCourse training within assigned time frame(s), or sooner at managements discretion.
• Represent Collegiate Peaks Bank 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.
• Additional duties as requested or assigned.

Qualifications:

• Education/Certification:
  • Two-year college degree or completion of a specialized course of study at a business or trade school.
  • Current MLO active registration in place.
• Required Knowledge:
  • Knowledge of Fannie Mae and Freddie Mac guidelines is required. Bi-lingual skills are a plus.
  • A working knowlegedge of the Denver or Chaffee County Real Estate markets is preferred.
• Experience Required:
  • Two to Five years of similar or related experience, including time spent in preparatory positions.
  • A moderate level of community banking knowledge including lending.
• Skills/Abilities:
  • Strong interpersonal skills.
  • High level of independent judgement.
  • Ability to work independently.
  • Basic accounting skills-ability to analyze and understand tax returns, P&Ls, income statements, and the ability to prepare thorough, accurate self-employed income analysis.
  • Excellent interviewing, communication, and public relations skills.
  • Professional appearance and attitude.
  • Strong analytical and financial skills.
  • Ability to operate related computer applications, and other business equipment including calculators, printers, and telephones.
  • Strong typing skills.

Working Conditions: Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

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.

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.

Mental Conditions: 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 provide information through a logical and clear delivery. 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.

Travel Requirements: 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.

Supervisory Responsibility: None

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.