Inside Sales Mortgage Loan Officer

First Interstate BancSystem; Whitefish (MT); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Generous PTO

Student debt repayment

401(k) match

Job summary

First Interstate Bank is seeking an Inside Sales Mortgage Loan Officer to originate permanent residential loans via our Digital Platform and contribute to business development in the Kalispell or Whitefish, MT area.

You will handle inbound calls and online inquiries, guide applicants through the loan process, and present financing options while adhering to investor guidelines and compliance requirements.

Qualifications

• Ability to read and interpret mortgage guidelines and regulations.
• Strong customer service skills with mortgage process knowledge.
• Ability to guide applicants through loan options and timelines.

Responsibilities

• Handle inquiries and leads from digital platforms, branches, and referrals.
• Consultatively assess housing goals and recommend loan options.
• Convert leads to full applications and prepare documents for processing.
• Maintain lead pipelines to meet performance indicators.
• Understand origination system and ensure compliance requirements.

Skills

Customer service

Mortgage process knowledge

Communication skills

Problem solving

Education

Bachelor's Degree

Job description

What’s Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.

SUMMARY

This position may be located at our Kalispell, MT or Whitefish, MT branches. The Inside Sales Mortgage Loan Officer will be responsible for originating permanent residential mortgage loans, via the bank's Digital Platform, and participating in related business development activities. This position will support the entire FIB footprint by taking inbound calls and online mortgage inquiries. Additionally, this position is a fast-paced, high volume, leads provided position with a competitive base salary and per unit incentive.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Handles all inquiries and leads from First Interstate Bank (FIB) digital platforms (phone, email, and website) as well as direct branch referrals and self-sourced opportunities.
• Works with clients in a consultative selling approach, learning the applicant's housing goals, needs and time frame and recommending the customer their available loan options.
• Converts leads to full application and submits complete loan application and proper documentation to processing team.
• Sets and maintains realistic expectations with all affected parties; follow the Ability To Repay guidelines as set by FIB and the investor.
• Obtains and analyzes credit reports with an understanding of the data and approval implications; locks in interest rates when the customer requests or approves.
• Manages lead pipeline with new inquiries to ensure department key performance indicator requirements for consistent contact with all parties involved in transaction.
• Understands and navigates within the loan origination system; ensuring full understanding of compliance and meet all requirements.

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.

KNOWLEDGE, SKILLS AND ABILITIES

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. As a condition of employment, any successful job applicant will be required to pass a pre-employment screening against the Limited Denial of Participation (LDP), GSA Excluded Party List System (EPLS) and Freddie Mac Exclusionary List. Possess strong customer service skills and a thorough understanding of the mortgage process. Thorough knowledge of FHA, VA, RD, state bond programs, and conventional real estate regulations.

EDUCATION AND/OR EXPERIENCE

Bachelor's Degree required 4-6 years related experience and/or training; or equivalent combination of education and experience required 4-6 years experience in residential mortgage lending to include handling of complex loans preferred

LICENSES AND CERTIFICATIONS

Valid Driver’s License required

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer. Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently Sitting - Frequently Standing - Occasionally Noise Level - Moderate Typical Work hours - M-F (8-5) Regular and Predictable Attendance - Required

Equal Opportunity and Rights

First Interstate Bank is an equal opportunity employer committed to a diverse workforce and a barrier-free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws. In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us Monday through Friday, 8 am to 5 pm MST at [e-mail]. All applicants must pass pre-employment screenings including a background check. First Interstate BancSystem participates in E-Verify which will require new employees to verify their identity and employment eligibility through the internet-based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS). E-Verify Notice English or Spanish Right to Work Notice English or Spanish