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
We cater to the distinct needs of high-net-worth individuals, families, entrepreneurs, and business owners, offering a deeply personal and sophisticated financial experience. It was founded in 2002, and is headquartered in Denver, Colorado, USA, with a workforce of 201-500 employees. Its website is https://myfw.com/.
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