Mortgage Loan Originator

POSITION SUMMARY

The Mortgage Loan Originator will have extensive contact with customers, vendors, the public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.

This position is primarily responsible for increasing branch referrals and outside sales by generating residential mortgage loans through solicitation of individual borrowers, real estate brokers, builders, and developers. He/She is also responsible for taking residential mortgage loan applications and offers and/or negotiate terms of a residential mortgage and residential construction loan.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Ability to work with and support the real estate team and support staff, while always banking in a proactive, respectful, and positive manner.
• Responsible for meeting sales volume and goals from internal and external referrals.
• Accurately and completely comply with all regulations and bank policies and procedures and actively work with compliance and quality control staff along with all peers, Division personnel, and GBCI HUB team
• Develop qualified leads through internal and external referrals, canvassing, face to face cold calling, direct mail, and networking the real estate community.
• Establish and maintain customer referral relationships with Realtors, builders, and developers.
• Maximize all opportunities in the process of closing a sale resulting in enhanced Division market share.
• Responsible for identifying and building effective networks with other professionals to maximize revenue.
• Demonstrate the ability to counsel and pre-qualify homebuyers, accurately and thoroughly complete applications and obtain all necessary support documents along with appropriate fee and lock-in information in compliance with mortgage lending regulations.
• Oversee the loan process by monitoring loan status and ensuring conformity with loan terms and agency guidelines.
• Assist in collecting all documentation and communicating loan status to all parties.
• Work with the mortgage and construction loan processors/closers at the GBCI Hub in preparing the loan file for underwriting and closing.
• Responsible for sourcing and developing client relationships and referrals using branch personnel to capitalize on cross-selling opportunities such as deposits, consumer loans, commercial accounts, and e-banking.
• Maintain contact with customers in the market area to ensure high levels of customer satisfaction.
• Attend all relative organizational meetings to ensure internal alignment.
• Maintain good working knowledge on all mortgage products the Bank offers.
• Must register with NMLS and maintain registration active.
• Must comply with applicable laws and regulations, including but not limited to, Truth-in-Lending/Real Estate Settlement Procedures Act (TRID), the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, and Community Reinvestment Act (CRA).
• Other duties as assigned.

SUPERVISORY RESPONSIBILITIES

None

MINIMUM QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• High school diploma or equivalent.
• Three or more years of mortgage lending.
• Previous experience in residential and mortgage lending functions.
• Good knowledge of FHA, VA, USDA, and conventional lending procedures.
• Have strong well-developed interpersonal skills to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers, regulators, and secondary market contacts, as well as effectively lead and motivate a staff of subordinates.
• 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.
• Good knowledge of the Microsoft Office suite.
• Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications preferred.

LANGUAGE SKILLS

Ability to speak clearly and communicate complex information in a logical and understandable manner. Capacity to maintain tactful and productive communication in difficult situations with customers or personnel.

Ability to respond effectively to the most sensitive inquiries or complaints, either in person, over the phone, through email, or video conferencing. Ability to read, analyze, and interpret the most complex documents, including but not limited to general business periodicals, professional journals, technical procedures, or governmental regulations. Skilled at writing reports, business correspondence, and procedure manuals. Ability to effectively present information to groups of managers, clients, customers, and the public, and respond to questions accordingly.

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

Ability to apply principles of logical thinking to a wide range of intellectual and practical problems. Ability to deal with a variety of abstract and concrete variables.

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 must be able to maintain composure and professionalism under the stress of deadlines and competing priorities. The employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to operate a computer; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This is an on-site position. The employee must be capable of regular, reliable, and timely attendance to properly support business operations. He/she must have the ability to keep their work area organized and maintain customer privacy and confidentiality. The noise level in the work environment will fluctuate and is typically quiet with occasional moderate noise.

COMPLIANCE WITH THE BANK SECRECY ACT AND ANTI-MONEY LAUNDERING PROGRAM:

The Bank Secrecy Act is intended to safeguard the U.S. financial system and the financial institutions that make up that system from the abuses of financial crime, including money laundering, terrorist financing, and other illicit financial transactions. The Board of Directors is committed to complying with both the spirit of the regulations and the letter of the law. All employees are expected to understand and comply with all aspects of the BSA and to perform their job duties in accordance with Bank BSA policies and procedures. Employees who willfully violate the BSA may be subject to both civil and criminal penalties and termination of employment.

Equal Employer Opportunity Statement:

Heritage Bank of Nevada and Glacier Bancorp are equal opportunity employers. Simply stated, equal opportunity means that all suitable, qualified individuals have an equal chance to compete for job opportunities with the company regardless of race, color, religion, national origin, sex, sexual orientation, age, veteran status, disability status or any other characteristic protected by state or federal law.

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.