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Mortgage Loan Originator
Glacier Bancorp
Ammon, ID, United States
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Description
Position Title: Mortgage Loan Originator
Reports To: Real Estate Manager
FLSA Status: Non Exempt
Summary/Objective
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.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Responsible for meeting sales volume and goals from internal and external referrals.
2. Develops annual business plan in conjunction with Manager which details activities.
3. Attend all sales meetings both in the residential lending department and branch.
4. Develops qualified leads through internal and external referrals, canvassing, face to face cold calling, direct mail, and networking the real estate community.
5. Establish and maintain customer referral relationships with realtors, builders, and developers;
6. Maximizes all opportunities in the process of closing a sale resulting in the taking of market share from competitors.
7. Responsible for identifying and building effective networks with other professionals to maximize revenue.
8. 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)
9. 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.
10. Oversee loan process by monitoring loan status and ensuring conformity with terms
11. Assist in collecting any and all documentation and communicating loan status to all parties
12. 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)
13. Work with the processor in preparing the loan file for underwriting.
14. Provide the processor with Investor guidelines when applicable
15. Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations
16. Responsible for sourcing and developing client relationships and referrals using branch personnel to capitalize on cross-selling opportunities.
17. Maintain contact with customers in the market area to ensure high levels of customer satisfaction
18. 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
Competencies
1. Customer/Client Focus
2. Confidentiality
3. Technical Capacity
4. Stress Management/Composure
5. Thoroughness
6. Communication Proficiency
Supervisory Responsibility
This position has no supervisory responsibilities.
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.
“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
Physical Demands
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. 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 whenever required or requested by management. Must be capable of travel by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Must be capable of regular, reliable and timely attendance.
Required Education and Experience
1. High school diploma or equivalent.
2. Three or more years of outside sales experience.
3. 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