Mortgage Loan Originator (Bozeman) *Base + Commission*

First Western Trust; Bozeman (MT); Hybrid; USD 36,000 - 44,000; 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

Health Savings Account

Paid time-off + bank holidays

Job summary

First Western Trust in Bozeman is looking for a passionate Mortgage Loan Originator to help high‑net‑worth clients achieve their financial goals. You will engage in sourcing new mortgage business while overseeing loan transactions and ensuring excellent service throughout the process.

Successful candidates will have solid knowledge of mortgage regulatory requirements, a Bachelor's degree or equivalent experience, and 1-3 years in residential mortgage lending. Join us for an opportunity to work in a supportive environment with growth potential!

Qualifications

• 1-3 years of recent residential mortgage lending experience, preferably in a bank environment.
• Active NMLS registration upon hire is required.
• Ability to analyze and calculate income from complex financial data.

Responsibilities

• Engage in soliciting new mortgage loan business, spending over 50% of working time away from the office.
• Provide exceptional customer service during loan processing and closing.
• Conduct interviews with potential applicants for loan programs.

Skills

Microsoft Office Suite

Loan origination application systems

CRM tools

Mortgage regulatory requirements

Customer service

Detail-oriented

Analytical skills

Education

Bachelor's Degree or equivalent work experience

Job description

Mortgage Loan Originator

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 and work closely with our Bozeman Mortgage team to deliver comprehensive solutions that exceed client expectations.

What You Will Do

• Recognized as a trusted mortgage origination expert and 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) engaging in soliciting new mortgage loan business.
• Extensive knowledge and experience with a wide variety of loan program requirements and investor guidelines including FNMA, FHLMC, FHA, VA, USDA, DPA Programs, JUMBO and FHLB products.
• Ongoing development of a referral network through prospecting, networking, cold‑calling, and participating in community outreach 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 in 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 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.

Preferred and Required Qualifications

Education Level

Bachelor's Degree, or equivalent work experience, required.

Experience Level

1-3 years of recent residential mortgage lending experience, preferably within a bank environment, required.

License/Certification

Active NMLS registration, upon hire, 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.

Pay Range: $40,000 base plus commission.

Job Classification: Full‑Time Exempt.

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

• 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.

Visit us today at: https://myfw.com/careers/

Questions? Contact us at [e-mail]

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, or to receive all other benefits and privileges of employment, please contact [e-mail].