Mortgage Loan Officer-Idaho

Zions Bank; Idaho Falls (ID); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) with company match

PTO and paid holidays

Tuition Reimbursement

Health Savings (HSA)

Job summary

Zions Bank, a division of Zions Bancorporation, is seeking an experienced Mortgage Loan Originator. You will solicit new mortgage business through existing contacts and referrals, interview applicants, review financial data, explain loan options, and guide the process from application to closing.

The role requires strong knowledge of mortgage products, compliance, and customer service. We offer day-one benefits, a comprehensive compensation package, and opportunities for career growth in a

Qualifications

• A college degree and 4+ years of mortgage lending origination experience preferred, including residential construction experience.
• Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.
• Ability to successfully solicit loans.
• Ability to work independently and manage multiple priorities.
• Strong verbal and written communication skills.

Responsibilities

• Solicit and bring in mortgage business through contacts, referrals, and relationships with agents, builders, developers and branches.
• Ensure compliance with regulatory guidelines in loan origination duties.
• Interview applicants to assess needs and review financial and credit data.
• Explain loan types and rate options, lock rates, and prepare disclosures for underwriting.
• Coordinate disclosures, appraisals, title search, and document collection; work with processors through closing.
• Originates residential home loans.

Skills

Mortgage lending

Credit analysis

Relationship building

Education

College degree

Tools

Mortgage software

Job description

Work location flexible within Zions locations with available work space in Idaho

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

You have the drive, ambition and skills, and we want to give you the opportunity. Zions Bank is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let’s talk about how we can help one another succeed.

You will:

• Be responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches.


• Ensure compliance with regulatory guidelines in the performance of loan originator duties.


• Interview potential applicants to develop information concerning their needs, desires and other information.; obtain and review pertinent financial and credit data.


• Be responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.


• Ensure any re-disclosures are made timely.


• Order appraisals through system, arrange for title search and obtain necessary documents.


• Be responsible to communicate with the customer throughout the process and work with processors through closing.


• Originate residential home loan

Qualifications:

• A college degree and 4+ years of mortgage lending origination experience preferred, including residential construction experience or other directly related experience.


• A combination of education and experience may meet requirements.


• Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.


• Ability to successfully solicit loans.


• Ability to work independently.


• Strong interpersonal skills.


• Demonstrated ability to handle multiple priorities.


• Strong verbal and written communication skills.


• Ability to work effectively in high pressure environment.


• Ability to work with various types of computer software, including mortgage specific software.


• Medical, Dental and Vision Insurance - START DAY ONE!


• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance


• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts


• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays


• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience


• Mental health benefits including coaching and therapy sessions


• Tuition Reimbursement for qualifying employees


• Employee Ambassador preferred banking products

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include \"Accommodation needed\" in the subject line to ensure your information is routed to the appropriate contact.

Zions Bank a division of Zions Bancorporation, N.A. Member FDIC