Job Description

:
About The Role
Want to work for a company that cares about its community and its employees?
We believe in making the place we live and work better every day. We strive to succeed in business while also being valuable and compassionate neighbors. Come find your passion with us!
Mountain West Bank. Today. Tomorrow. Together.
Looking for a challenging and rewarding career, while giving back to your community? Look no further! At Mountain West Bank we are more than a job, we take pride in our company and culture by celebrating our employees, offering excellent benefits and giving back to the communities we serve. We grow our people and promote from within as a standard practice. We are looking for an experienced Mortgage Loan Originator for our Coeur d'Alen, ID office. 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. This position is responsible for taking a residential mortgage loan application and offers or negotiates terms of a residential mortgage loan.
This is a full time position, must have flexible availability in order to assist real estate customers. All major Holidays off (paid), in addition to a very generous paid time off plan and excellent retirement benefits are just a few of the many perks of this position. Rate of pay depends on experience.
ESSENTIAL FUNCTIONS:

• Responsible for meeting sales volume and goals from internal and external referrals..
• Develops annual business plan in conjunction with Manager which details activities
• to follow which will focus on exceeding sales quota.
• Attend all sales meetings both in the residential lending department and branch.
• Develops 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;
• Maximizes all opportunities in the process of closing a sale resulting in the taking of market share from competitors.
• Responsible for identifying and building effective networks with other professionals to maximize revenue.
• Since this position is Non-Exempt (hourly),employees must record their time in Ultipro each day and must adhere to an internal marketing plan designed specifically for this position (see attached)
• Demonstrates the ability to counsel and pre-qualify home buyers, complete applications and obtain all necessary support documents along with appropriate fee and lock-in information in compliance with mortgage lending regulations.
• Oversee loan process by monitoring loan status and ensuring conformity with terms
• Assist in collecting any and all documentation and communicating loan status to all parties
• Compile, compute, and prepare handouts and finance information, such as closing costs and rate comparison sheets for realtors and builders. (All handouts and advertising must be approved by the Compliance department before distributing)
• Work with the processor in preparing the loan file for underwriting.
• Provide the processor with Investor guidelines when applicable
• Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations
• Responsible for sourcing and developing client relationships and referrals using branch personnel to capitalize on cross-selling opportunities.
• Maintain contact with customers in the market area to ensure high levels of customer satisfaction
• 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

About You
Required Education and Experience:

• High school diploma or equivalent.
• Three or more years of outside sales experience.
• 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, 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

Preferred experience:
1. Previous experience in residential and mortgage lending functions.
2. Good knowledge of FHA, VA, USDA and conventional procedures
3. Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications
4. Knowledge or MWB policy, procedures and products
WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.
PHYSICAL DEMANDS: 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: Light work. The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.
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.
What We Offer
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. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details.
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.

Skills Required