Mortgage Loan Originator

Mortgage Loan Originator

Position can be located at the Stevensville or Hamilton branch.

Originates quality FHA, VA and conventional mortgage loans; manages customers through the entire loan process, from data collection and analysis through loan conclusion; and maintains positive client relationships. Administers booking and monitors performance to include review and collection. Develops contacts and networks with area professionals and others to develop referral sources. Participates in business development activities outside of the office, such as realtor open houses and home buyer seminars, and makes contacts through community networking. Complies with all banking laws and regulations.

Originate quality mortgage loans (i.e., saleable in the secondary market). Set customer expectations and educate them on the entire mortgage origination process. Compile and analyze data for mortgage requests. Ensure all loans are priced within a reasonable tolerance of FSB's normal pricing targets in order to ensure that each customer receives a fair and equitable loan price.

Develop business relationships with referral sources to generate customer leads for loans; referral sources include, but are not limited to realtors, builders, professional groups, and other bank personnel/departments. Maintains contacts and good working relationships to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.

Prepare loan applications and required disclosures in accordance with Bank standards and policies, and within the regulatory time limits. Oversee the entire loan process including, but not limited to, investigating loan program requirements, loan application completion and documentation, processing and closing. Work with mortgage processors and Underwriter to ensure timely and accurate service and to keep the customer and all related parties advised of the status of the application. Coordinate with processing and closing areas to facilitate a prompt and accurate loan closing.

Monitor the post-closing of construction loans by conducting inspections, reviewing loan draw requests against original cost breakdown, and approving loan draws for payment.

Manage operational responsibilities including monitoring loan pipeline, preparing sales production reports, and attending sales meetings.

Maintain current working knowledge of all Bank loan products, other bank products and services, applicable laws and regulations and related Bank policies and procedures. Cross-sell other Bank products such as deposit accounts, debit cards, credit cards, home equity lines of credit, and second mortgages. Keep abreast of developments in the mortgage industry and the Bank's marketplace. Set and achieve challenging personal production and service goals.

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer's personal and financial information.

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.

Adhere to First Security Bank's core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive 'can-do' attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.

• Display excellent customer service with both internal and external clients. Embody First Security Bank's "Welcome" tenets:
• Warm – Demonstrate warmth; be genuine and approachable
• Engage – Engage with teammates and customers; be present in every interaction
• Listen – Actively listen to employees and clients
• Connect – Build relationships, connect with the community and teams
• Opportunity – Seek out opportunities to serve others
• Modify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate
• Experience – Create a true experience for the client by providing exceptional customer service on their financial journey

Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.

Position performs other duties as needed/assigned.

About You

Qualifications:

Two to five years of mortgage loan origination experience.

Bachelor's degree (preferred degrees: business or finance). An equivalent combination of education and experience may be considered.

Position is required to register and maintain active and current Mortgage Loan Originator registration with the National Mortgage Licensing System (NMLS) as required by law.

Must possess current, valid driver's license.

Knowledge, Skills, Abilities:

Working knowledge of standard office equipment. Basic computer skill with working knowledge or ability to learn various office software including word processing, spreadsheets, 10-key, and general computer applications.

Working knowledge of credit structure and appropriate collateral; real estate loans and lending function, practices, and procedures; state, federal and industry banking compliance regulations and guidelines; applicable laws and regulations related to lending function.

Ability to analyze, evaluate and interpret bank policies, federal regulations, and other technical information; generate and/or exceed targeted annual production volume; deliver top performance in a fast-paced results-oriented environment; build trust and confidence with others; follow written and oral instructions; and make and defend decisions.

Proven ability to identify cross-selling opportunities and make effective referrals. Excellent attention to detail, organization skills, and problem-solving abilities. Strong interpersonal and communication skills, with a focus on customer experience.

A significant level of trust and diplomacy is required to be an effective subject matter expert in this position. In-depth dialogues, conversations, and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating, and/or advising others on matters of significance. Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignity, and respect. Cultivate rapport with all persons encountered at work.

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.

Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.

Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.

Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.

Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.

Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.

Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.

Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.

Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with