Mortgage Loan Originator

About The Role

Position can be located at the Stevensville or Hamilton branch.

Originates quality FHA, VA and conventional mortgage loans; manages customers through the entire loan process, from data collection and analysis through loan conclusion; and maintains positive client relationships. Administers booking and monitors performance to include review and collection. Develops contacts and networks with area professionals and others to develop referral sources. Participates in business development activities outside of the office, such as realtor open houses and home buyer seminars, and makes contacts through community networking.

Complies with all banking laws and regulations.

Originate quality mortgage loans (i.e., saleable in the secondary market). Set customer expectations and educate them on the entire mortgage origination process. Compile and analyze data for mortgage requests. Ensure all loans are priced within a reasonable tolerance of FSB’s normal pricing targets in order to ensure that each customer receives a fair and equitable loan price.

Develop business relationships with referral sources to generate customer leads for loans; referral sources include, but are not limited to realtors, builders, professional groups, and other bank personnel/departments. Maintains contacts and good working relationships to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.

Prepare loan applications and required disclosures in accordance with Bank standards and policies, and within the regulatory time limits. Oversee the entire loan process including, but not limited to, investigating loan program requirements, loan application completion and documentation, processing and closing. Work with mortgage processors and Underwriter to ensure timely and accurate service and to keep the customer and all related parties advised of the status of the application.

Coordinate with processing and closing areas to facilitate a prompt and accurate loan closing.

Monitor the post-closing of construction loans by conducting inspections, reviewing loan draw requests against original cost breakdown, and approving loan draws for payment.

Manage operational responsibilities including monitoring loan pipeline, preparing sales production reports, and attending sales meetings.

Maintain current working knowledge of all Bank loan products, other bank products and services, applicable laws and regulations and related Bank policies and procedures. Cross-sell other Bank products such as deposit accounts, debit cards, credit cards, home equity lines of credit, and second mortgages. Keep abreast of developments in the mortgage industry and the Bank’s marketplace. Set and achieve challenging personal production and service goals.

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information.

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.

Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.

• Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets:
  • Warm – Demonstrate warmth; be genuine and approachable
  • Engage – Engage with teammates and customers; be present in every interaction
  • Listen – Actively listen to employees and clients
  • Connect – Build relationships, connect with the community and teams
  • Opportunity – Seek out opportunities to serve others
  • Modify – Modify your approach to meet employees and…