Mortgage Loan Originator

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Mountain West Bank. Today. Tomorrow. Together. Looking for a challenging and rewarding career, while giving back to your community? Look no further! At Mountain West Bank we are more than a job, we take pride in our company and culture by celebrating our employees, offering excellent benefits and giving back to the communities we serve. We grow our people and promote from within as a standard practice.

We are looking for an experienced Mortgage Loan Originator for our Coeur d'Alen, e. This position is primarily responsible for increasing branch referrals and outside sales by generating residential mortgage loans through solicitation of individual borrowers, real estate brokers, builders, and developers. The role involves taking a residential mortgage loan application and offering or negotiating terms of a residential mortgage loan.

This is a full‑time position, must have flexible availability in order to assist real‑estate customers. All major holidays are off (paid), in addition to a generous paid time‑off plan and excellent retirement benefits are just a few of the many perks of this position. Rate of pay depends on experience.

• Responsible for meeting sales volume and goals from internal and external referrals.
• Develops annual business plan in conjunction with Manager which details activities to follow that will focus on exceeding sales quota.
• Attend all sales meetings both in the residential lending department and branch.
• Develops qualified leads through internal and external referrals, canvassing, face‑to‑face cold calling, direct mail, and networking the real‑estate community.
• Establishes and maintains customer referral relationships with realtors, builders, and developers.
• Maximizes all opportunities in the process of closing a sale resulting in the taking of market share from competitors.
• Identifies and builds effective networks with other professionals to maximize revenue.
• Since this position is Non‑Exempt (hourly), employees must record their time in Ultipro each day and must adhere to an internal marketing plan designed specifically for this position.
• Demonstrates the ability to counsel and pre‑qualify home buyers, complete applications and obtain all necessary support documents along with appropriate fee and lock‑in information in compliance with mortgage lending regulations.
• Oversees loan process by monitoring loan status and ensuring conformity with terms.
• Assists in collecting any and all documentation and communicating loan status to all parties.
• Compiles, computes, and prepares handouts and finance information, such as closing costs and rate comparison sheets for realtors and builders. All handouts and advertising must be approved by the Compliance department before distributing.
• Works with the processor in preparing the loan file for underwriting.
• Provides the processor with Investor guidelines when applicable.
• Maintains current knowledge on mortgage products, underwriting guidelines, and industry regulations.
• Sources and develops client relationships and referrals using branch personnel to capitalize on cross‑selling opportunities.
• Maintains contact with customers in the market area to ensure high levels of customer satisfaction.
• 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.

• High school diploma or equivalent.
• Three or more years of outside sales experience.
• Have strong well‑developed interpersonal skills in order to maximize business contacts and develop a working relationship with current and potential residential real‑estate loan customers, regulators, and secondary market contacts, as well as effectively lead and motivate a staff of subordinates.
• A high level of analytical ability to conduct residential real‑estate analysis and recommend alternatives available in cases where initial analysis revealed insufficient financial posture.
• Working knowledge of various mortgage regulatory guidelines (e.g., truth‑in‑lending, HMDA, RESPA, ECOA, FDPA,…