Mortgage Loan Originator (Bozeman) *Base + Commission*

First Western Trust is seeking a Mortgage Loan Originator to join their team in Bozeman. In this role, you will be responsible for helping high-net-worth clients achieve their financial goals by providing exceptional service and overseeing loan transactions from processing to closing.

Responsibilities

• 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
• Consistently 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 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 out-reach 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
• Meet volume goals as established by the sales management team

Skills

• Bachelor's Degree, Or equivalent work experience
• 1-3 years, Recent residential mortgage lending experience, preferably within a bank environment
• Active NMLS registration, Upon Hire
• 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 communications skills
• Detail-oriented
• Ability to work independently and with an operations team
• Focus on providing outstanding customer service and meeting critical deadlines

Benefits

• Strong Bonus Potential
• 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

Company Overview