Bank of the San Juans · 4 days ago
Mortgage Loan Originator
Grand Junction, CO
Full-time
Hybrid
Entry, Mid Level
$50K/yr - $50K/yr
2+ years expBank of the San Juans is seeking a Mortgage Loan Originator to develop leads and originate mortgage loans through various channels while ensuring compliance with mortgage regulations. The role involves communicating with clients, realtors, and attorneys, maintaining loan quality, and providing excellent customer service.
BankingFinanceFinancial Services
No H1B
Hiring Manager
Deborah Schindler
Responsibilities
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 appropriately informed of area activities and of 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 frame(s), or sooner at managements discretion
Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required
Additional duties as requested or assigned
Qualification
Required
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 their employment
Two to Five years of similar or related experience, including time spent in preparatory positions
Knowledge of Fannie Mae and Freddie Mac guidelines is required
Strong interpersonal skills
High level of independent judgement
Strong problem solving skills
Ability to work independently
Basic Accounting skills - ability to analyze and understand tax returns, P&Ls, income statements and ability to prepare thorough, accurate self employed income analysis
Excellent interviewing, communication and public relations skills
Professional appearance and attitude
Strong analytical and financial skills
Ability to operate related computer applications, and other business equipment including calculators, printer and telephone
Strong typing skills
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise
Must be capable of up to 25% travel (e.g. 1 week or 5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary
Must be capable of regular, reliable and timely attendance
Must be capable of climbing / descending stairs in an emergency situation
Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes
Preferred
Bi-lingual skills are a plus
Benefits
Medical
Dental
Vision
Life insurance
Health savings account option
Employee Assistance Program (EAP)
Health rewards program
Retirement savings plan
401(k)
Profit-Sharing plans
Short and long-term disability benefits
Education and training benefits
Discounts on banking products and services
Generous Paid Time Off (PTO) plan
Paid holidays
Company
Bank of the San Juans
Bank Of The San Juans is a providing personal, business loans and other online banking services located in Durango.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Todd Young
Chief Business Development Officer
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