Mortgage Loan Originator (Bozeman)

First Western; Bozeman (MT); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Strong Bonus Potential

401(k) Plan with Match

Paid Parking/Transportation Benefits

Access to Training & Professional Development Programs

Flex Spending Accounts

Health Savings Account

Health & Wellness Benefits

Paid Time-Off + Bank Holidays

Job summary

First Western in Bozeman is seeking a Mortgage Loan Originator to play a vital role in assisting high-net-worth clients achieve their financial goals. This position involves developing relationships and providing exceptional customer service to clients through the loan origination process.

The ideal candidate will possess a Bachelor's degree, 1-3 years of recent mortgage lending experience, and a strong understanding of regulatory requirements. The role includes developing referral networks and meeting volume goals.

Qualifications

• Proficient in Microsoft Office Suite.
• Strong understanding of mortgage regulatory requirements.
• Experience in maintaining a quality referral network.

Responsibilities

• Develop and maintain customer relationships in the mortgage sector.
• Analyze applicants' income and financial information.
• Oversee loan transactions through processing and closing.

Skills

Microsoft Office Suite

CRM tools

Mortgage regulatory knowledge

Analyzing financial data

Customer service skills

Education

Bachelor's Degree

Tools

Loan origination systems

Job description

First Western is seeking a Mortgage Loan Originator to join our team!

Are you looking for a challenging and rewarding opportunity? First Western is seeking a passionate and experienced professional to join our team.

As a Mortgage Loan Originator at First Western, you will play a vital role in helping high-net-worth clients achieve their financial goals. You will work closely with our Bozeman Mortgage team to deliver comprehensive solutions that exceed client expectations.

If you are passionate about providing exceptional service to clients and are looking for a challenging and rewarding opportunity, we encourage you to apply for this position today.

What You Will Do:

• 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.

What You Bring:

• 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 closingProfessional 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

Education Level — Bachelor's Degree, or equivalent work experience, Required

Experience Level — 1-3 years, Recent residential mortgage lending experience, preferably within a bank environment, Required

What You Receive:

At First Western, we pride ourselves on our culture of innovation, teamwork, and continuous learning. We are committed to providing our employees with the tools and resources they need to succeed, including ongoing training and development, a competitive compensation package, and a comprehensive benefits program.

• 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

Job Classification: Full-Time Exempt

Actual offer will be based on experience, location, education, and/or skills.

First Western Financial, Inc. is proud to be an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive and safe environment for all employees. We are fully committed to achieving a diverse workforce by hiring, developing, and retaining talented people from different backgrounds, experiences, abilities, and perspectives. Individuals from all backgrounds, including non-traditional backgrounds, historically marginalized, or underrepresented groups are strongly encouraged to apply.

First Western Financial, Inc. is committed to the full inclusion of all qualified individuals. In keeping with our commitment, First Western Financial, Inc. will take the steps to assure that people with disabilities are provided reasonable accommodations. Accordingly, if reasonable accommodation is required to fully participate in the job application or interview process, to perform the essential functions of the position, and/or to receive all other benefits and privileges of employment, please contact [e-mail].