Mortgage Loan Originator

We are seeking a motivated and customer-focused Mortgage Loan Originator (MLO) to join our growing Mortgage Team in Grand Junction, Colorado. In this role, you will be responsible for developing business opportunities and originating residential mortgage loans through referrals, branch partnerships, real estate professionals, builders, and community networking activities. The successful candidate will possess a strong understanding of mortgage lending practices, regulatory requirements, and the mortgage origination process.

In addition, the ability to identify opportunities to introduce customers to other bank products and services is essential to building and strengthening long-term banking relationships. This position requires excellent verbal and written communication skills, sound judgment, attention to detail, and the ability to understand and explain complex financial information, policies, procedures, and documentation. Candidates must be capable of working independently while maintaining a high standard of customer service and regulatory compliance.

If you are driven by results, passionate about helping customers achieve their home ownership goals, and energized by building relationships and generating new business, we encourage you to apply.

Our ideal candidate demonstrates a commitment to our Core Values:

• Honesty & Integrity
• Service to the Customer
• Teamwork
• Respect for the Individual
• Giving Back to the Communities We Serve

Base salary: $50,000 annually, plus commission opportunities based on closed loan production.

Compensation may vary based on experience, qualifications, business development efforts, and overall performance. All incentive compensation is administered in accordance with applicable laws, regulations, and company policies.

Bank Happy. Work Happy. Right Here.

• Determine financing objectives and goals. Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed.
• Receives and screens loan applications. Pulls, review and analyzes credit. Gathers financial data. Notifies client to resolve discrepancies such as late payment history, judgments, etc. Discusses options. Informs client of closing costs such as appraisals, and attorney fees.
• Prepares records and reports as requested regarding loan origination and closing activities as needed.
• Collects supporting loan documentation. Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration.
• Maintain constant communication with clients via email, phone and mail form application to closing and post-closing. Communicate with attorneys, realtors, appraisers and vendors pertaining to specific client needs.
• Maintains 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.
• Receives inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations 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 Bank of the San Juans Company Core Values.
• Keeps management…