Mortgage Banker

Mortgage Banker – Northwest Bank

We are looking for a Mortgage Banker to originate high‑quality mortgage and equity loans, provide excellent service to borrowers and referral sources, cross‑sell bank products, and support regional teams.

• Originate permanent conventional and FHA/VA/RD residential mortgage loans, & home equity loans and lines of credit through the centralized channel (Internet, phone, LOS/CRM referrals).
• Obtain appropriate financial and credit data for risk disclosure and analysis.
• Assist with borrower communication for construction loan overflow.
• Manage mortgage activity in alignment with bank strategies.
• Interview borrowers to initiate complete, accurate and timely loan applications and disclosures.
• Meet timelines associated with regulatory disclosures.
• Work with the processing center to streamline the process from application to closing.
• Maintain knowledge of core lending products, rate/fee structures, loan origination system, and related systems.
• Understand borrower needs and recommend appropriate loan products.
• Comply with investor, insurer, and bank policies and procedures.
• Adhere to mortgage industry regulations (Qualified Mortgage, Dodd‑Frank, HMDA, FCRA, RESPA, CRA, MDA, Truth‑in‑Lending, etc.).
• Keep informed of changing rules, local real estate and economic trends, and developments that may affect loan quality or production.
• Exercise sound credit judgment to decide loans within policy and authority limits.
• Ensure loan decisions and recommendations are based on accurate information.
• Manage confidential and sensitive information appropriately.
• Respond to Quality Control reviews in a timely manner.
• Monitor individual portfolio performance.
• Proactively follow up on abandoned mortgage online applications.
• Respond to online contact requests via Northwest website.
• Maintain knowledge of all Northwest products and actively recommend cross‑selling opportunities.
• Promote and maintain a favorable image for the Bank and customer loyalty through superior service.
• Collaborate with referral sources and mortgage production staff.
• Project a professional image that inspires confidence and trust.
• Manage schedule flexibly to meet customer needs.
• Ensure compliance with Northwest policies and Federal/State regulations.
• Navigate Microsoft Office, department software, and specific tools to maximize efficiency.
• Work collaboratively as part of a team.
• Operate on‑site equipment as required.

• Bachelor’s degree in a related field preferred.
• Registration with the NMLSR and annual renewal upon hire; must provide unique MLO identifiers to consumers.
• 3–5 years lending/banking experience, with knowledge of secondary market, regulatory guidelines, customer service, and sales.
• Ability to analyze financial data.

The base salary plus commission for this position is generally $65,000–$72,000 per year, with additional bonus earning opportunities and benefits available.

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.