Mortgage Loan Officer

This position recruits new home mortgage business and works as a team to market and originate mortgage loans. It is necessary to build a book of business by soliciting realtors, builders, and new customers for their business. This position maintains clean and accurate loan files and abides by the policies and procedures in the department. The Mortgage Loan Officer will be responsible for mortgage requests from Bell Bank employees.

Primary Duties:

• Full cycle loan completion for qualified Bell Bank employees.
• Gain networking experience by soliciting realtors, builders, and customers for mortgage loan business.
• Build a book of business under minimal supervision.
• Participate in realtor and builders’ activities. Join committees, attend monthly meetings, and attend training classes to network with builders and realtors.
• Establish a production goal for management to review and provide feedback.
• Inform management of monthly solicitation activity.
• Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications.
• Evaluate credit factors and eligibility to ensure application meets guideline requirements.
• Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.
• Price loans according to guidelines and secure signed lock agreements.
• Maintain contact on files while processing to keep up-to-date on status for your customer and the realtor.
• Provide a complete and accurate file to processors.
• Collect necessary fees as designated.
• Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage.
• Assist processors, shipping department, and manager in obtaining information that may be needed on the file.
• Review Closing Disclosure (CD) and prepare the borrower for closing.
• Keep open line of communication with agents, borrower, processors and closers to provide excellent customer service.
• Develop individual marketing plans, with direction from management, to expand market share and stimulate loan production.

Bell Bank Culture, Policy and Accountability Standards:

• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job

Skills Required:

• Two years of mortgage loan origination experience as an Associate Loan Officer.
• NMLS registration.
• Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA Lending, regulatory compliance and investor guidelines.
• Outgoing personality with sales skills to call on customers and realtors.
• Self-motivated to create business and have the creative capacity to look at different options and suggest new ideas to the customer.
• Ability to make decisions quickly, deal with deadlines.
• Ability to handle difficult situations or problems.
• Ability to travel to off-site meetings to meet with clients or co-workers.

If you love sales and are passionate about helping others purchase their dream home, consider a career with Bell Bank's mortgage team. You will work with colleagues in a first class culture that provides a family atmosphere, enjoy great benefits and provides a high level of service that makes each mortgage run smoothly -- by sending closing packages five days before the closing, in-house underwriting and processing and having a support team to allow you to work efficiently.

Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $14 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Originally founded in 1880 by early Minneapolis civic leader David

C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and has several regional offices in the United States.

Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.

If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the…