Loan Originator - (West Region CA, MT, AZ)

Position Summary An employee in this position procures new mortgage transactions for the bank. The primary responsibility is to bring in new loan requests into the bank for processing. The Loan Originator is the primary contact for the loan applicant. Essential Duties and Responsibilities The Loan Originator assembles and reviews a new application and matches the applicant with a mortgage program. The file is handled by the Mortgage Originator until it is time to request loan documents and closing is scheduled. By turning in the file at this point, the Loan Originator is able to go out and generate new business. The Loan Originator assists the borrower in determining the proper loan program, completing the loan application, and gathering the required supporting documentation to begin the loan process. Conducts preliminary underwriting reviews. Remains front‑line contact with the borrowers. A credit report is obtained and analyzed by the Loan Originator. The Loan Originator is heavily involved with the client during the application and closing process. Develops referral relationships with realtors, builders, bankers, and other sources in order to proactively solicit new business. Qualifications Minimum two years of mortgage loan origination experience. Thorough knowledge of pricing and underwriting requirements of various mortgage products and programs. Knowledge of residential mortgage processing, underwriting, and closing procedures. Thorough knowledge of federal lending regulations governing real estate lending, such as Truth‑in‑Lending, RESPA, and others. Ability to analyze financial information. Excellent interpersonal and communication skills required. A pleasant and professional demeanor is essential. Work requires sound judgment and diplomacy. Outlook proficiency required. Requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E Act of 2008. Ability to travel. Benefits Medical Insurance Dental Vision Life insurance Accidental death and dismemberment Short‑term and long term Disability Insurance Parental Leave Employee Assistance Program (EAP) Traditional and Roth 401(k) with company match Flexible Spending Account (FSA) Employee Stock Purchase Plan at 5% discount Critical Illness Insurance Accident Insurance Transportation and Commuting Benefits Banking Benefits Pet Insurance Compensation The minimum estimated hourly rate for this role is $15.00, along with eligibility to earn monthly commissions. Actual pay rate may vary based on several factors, such as a candidate’s location, qualifications, skills, and experience. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories. #J-18808-Ljbffr Wintrust Financial Corporation