Mortgage Loan Originator

About The Role

Mortgage Loan Originator (MLO) is required to develop leads and originate mortgage loans through branches, realtors, and builders and respond to referrals from branch personnel and others. Candidates should have an understanding of mortgage regulations and processes as well as other bank products and services in order to deepen relationships with customers. Applicants must be able to effectively communicate both verbally and in writing, exercise independent judgement and comprehend complex instructions, technical and financial materials and forms related to assigned duties.

If you have a competitive spirit, a customer focus and a passion for selling, we are looking for you to join our growing Mortgage Team in Grand Junction, CO while adhering to and exemplifying our Core Values:
Honesty and Integrity, Service to the Customer, Teamwork, Respect for the Individual and Giving to the Communities We Serve.

The pay range for this position is $50,000-$100,000 per year. Bank Happy. Work Happy. Right Here.

Essential Functions

• 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 client to resolve discrepancies such as late payment history, judgments, etc. Discuss options. Inform client 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 to provide information regarding current loan policies and procedures.
• Receive inquiries from prospective customers regarding all types of mortgage 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, the Office of Foreign Assets Control, RESPA, Regulation B, TRID and any other Mortgage related regulations.
• Adhere to Bank of the San Juans Company Core Values.
• Keeps 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 the Bank of the San Juans.
• 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 frames, or sooner at management’s discretion.
• Represent Bank of the San Juans in a professional manner including professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required.
• Additional duties as requested or assigned.

• A two-year college degree or completion of a specialized course of study at a business or trade school. Incumbents are required to maintain their registration active and current with the National Mortgage Licensing System throughout employment.
• Two to Five years of similar or related experience, including time spent in preparatory…