Mortgage Loan Originator

About The Role

First State Bank Wyoming is seeking a motivated individual to originate first and second mortgages, loan assumptions and endorsements. This key individual will solicit new mortgage business, maintain good outside working relationships, and promote the organization's products and services as well as perform other duties as needed within the branch.

• Determine financing objectives and goals. Conduct the loan interview and secure the customer information necessary to initiate a loan transaction. Provide loan information and service to customers, realtors, and others as needed.
• Receive and screen loan applications. Pull, review and analyze credit. Gather financial data. Notify clients to resolve discrepancies such as late payment history, judgments, etc. Discuss options. Inform clients of closing costs such as appraisals, and attorney fees.
• Prepare records and reports as requested regarding loan origination and closing activities as needed.
• Collect supporting loan documentation. Request a personal employment and credit check of the applicant, request an appraisal on the property and/or construction plans under consideration.
• Maintain constant communication with clients via email, phone, and mail from application to closing and post‑closing. Communicate with attorneys, realtors, appraisers, and vendors pertaining to specific client needs.
• Maintain contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and provide information regarding current loan policies and procedures.
• Receive inquiries from prospective customers regarding all types of mortgages and construction loans, provide requested information regarding the organization's lending policies and procedures.
• Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.
• 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, RESPA, Regulation B, TRID, and any other mortgage‑related regulations.
• Adhere to First State Bank Wyoming Core Values.
• Keep management appropriately informed of area activities and any significant problems.
• Participate in community service and bank‑sponsored activities that serve and support the mission and values of First State Bank Wyoming.
• Provide superior internal and external customer service: must demonstrate self‑governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and BVS training courses within assigned time frame(s), or sooner at management's discretion.
• Represent First State 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.

• A two‑year college degree or completion of a specialized course of study at a business or trade school or equivalent combination of education and experience.
• Required 2‑5 years of mortgage origination experience in conventional, FHA, VA, USDA, and Jumbo loans.
• Must have and maintain an NMLS r (S.A.F.E. Act Registration).

• Incumbents are required to maintain their registration active and current with the National Mortgage Licensing System throughout their employment.
• Knowledge of Fannie Mae and Freddie Mac guidelines is required. Bilingual skills are a plus.
• Strong interpersonal skills, high level of independent judgement, strong problem‑solving skills, ability to work independently, basic accounting skills—ability to analyze and understand tax returns, P&Ls, income statements and ability to prepare thorough, accurate self‑employed income analysis. Excellent interviewing, communication and public relations skills. Professional appearance and attitude. Strong analytical and financial skills. Ability to operate related computer applications, and other business equipment including calculators.
  
  Strong typing skills.
• Ability to apply…