Mortgage Originator, Full Time

About The Role Western Security Bank is recruiting for an experienced Mortgage Loan Originator.
The Mortgage Loan Originator (MLO) is responsible for developing and originating residential mortgage loan business while guiding borrowers through the mortgage application and approval process. Specific focus will be on obtaining loan applications, business development, interviewing clients, analyzing financial and related data, determining appropriate pricing and loan structure, and making appropriate loan decisions. Requires the ability to comply with all regulatory and compliance guidelines. Responsible for identifying and cross-selling all loan and deposit products and services. This position requires exceptional customer service skills, positive attitude, and expressed enthusiasm. If there is a designated Loan Assistant assigned, the MLO will be responsible for the training and workflow of that employee. The MLO will provide input on performance reviews and personnel issues in order to assist the Mortgage Loan Manager with the task of evaluation and discipline. The work agreement meets the requirements of Montana and federal compensation guidelines and laws as well as being compliant with the loan originator compensation rules set forth in the Truth in Lending Act, Regulation Z, and the Official Staff Commentary. Additionally, the MLO is responsible for compliance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) including providing all required information to be registered in the state of Montana MLO registry.
and gives high quality service to establish on-going business relationships.
Generates and fully completes the mortgage loan applications. Works with a loan process/closer/underwriter to complete all documentation required for loan approval as quickly as possible. Makes sure details on loan documentation are complete and correct prior to closing to ensure accuracy and compliance with state and federal regulations, bank policy, and compliance regulations.
Oversees the entire loan process from application through loan closing, making certain all requirements for the loan have been met. Adheres to timeline requirements and proper pipeline management per Mortgage HUB direction.
Order and review title reports, legal documents, and appraisals.
The solicitation for refinance does not include a borrower asking the loan originator to contact them with market changes, but simply means the Loan Officer initiating a solicitation, unless requested by management.
Demonstrates knowledge on current loan programs and lending (federal and state) regulations, as well as all compliance and bank policies and procedures.
Completes all training recommended for position success.
Customer Relations:

Maintains positive on-going relationships with existing customer base.
Project an image of professionalism and genuine concern in dealing with the public.
Adhere to Western Security Bank Company Mission, Vision, Core Values, and Service Principles.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers.
Demonstrate a "customers come first" approach when prioritizing tasks.
Maintains a professional, courteous, service-oriented relationship with all internal and external customers.
Will participate in community events and activities to enhance the image of Western Security Bank and develop relationships within the area in which we serve.
Customer Service:

Responsible for knowing WSB products and being able to articulate the advantages to the customer.
Responsible for selling products and services to customers. Customers are given very high-quality service so they will perceive Western Security Bank as an excellent place to do business.
Responsible for optimum availability to the customer during the work week.
Ability to call the customer by name and engage the customer in conversation.
Customer Development:

Responsible for listening to, and meeting, the customer's needs.
Responsible for making recommendations that will meet the customer's needs by discussing, recommending, and providing a simple description of the solution that shows the benefits.
Identify and develop profitable relationships with potential new customers by participating in civic, industry, and community activities.
Maintains an aggressive customer call schedule.
Must demonstrate effective execution against professional sales skills including planning, execution and follow-up.
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.
Complete required bank and OnCourse training courses within assigned time frame(s).
Represent Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
Keep work area tidy and maintain customer privacy.
Serves as a resource to Branch Managers on personnel issues and performance reviews of assigned assistant. Responsible for bringing performance issues to the attention of the Branch Manager in a timely manner.
Functions as a knowledgeable and professional representative of WSB internally and in the community.
Required to be a highly visible, positive representative of WSB internally and in the community.
Performs duties while complying with Federal and State Laws and GBCI/WSB policies.
Contributes to team effort by accomplishing related results as needed, including special projects as assigned.
Bachelor's degree in Business, Finance or Marketing from a four-year college or university preferred.
Equivalent education and work experience will be considered.
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 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. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Ability to establish and maintain effective personal working relationships with peers and supervisors.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to deal with problems involving several concrete variables in standardized situations.
Must be able to work outdoors and travel to business meetings and/or events sponsored by the bank.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. 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 or travel off site whenever required or requested by management. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.
We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. 0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas.