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Foothills Bank - Division of Glacier Bank · 6 hours ago

Mortgage Loan Originator

Tucson, AZ

Full-time

Onsite

Mid Level

3+ years exp

Foothills Bank, a recognized top employer in Arizona, is seeking a Mortgage Loan Originator. This role is primarily responsible for generating residential mortgage loans by soliciting individual borrowers and maintaining relationships with real estate professionals, while ensuring compliance with regulations and bank policies.

BankingCommunitiesFinanceFinancial Services

No H1B

Responsibilities

Ability to work with and support the real estate team and bank personnel proactively, respectfully, and positively

Responsible for meeting sales volume and goals from internal and external referrals

Attend all sales meetings, both in the residential lending department and bank

Accurately and completely comply with all regulations and bank policies and procedures and actively work with compliance and quality control staff along with all peers and bank personnel

Develop qualified leads through internal and external referrals, canvassing, face to face cold calling, and networking the real estate community

Establish and maintain customer referral relationships with Realtors, builders, and developers

Responsible for identifying and building effective networks with other professionals to maximize revenue

Demonstrate the ability to counsel and pre-qualify homebuyers, accurately and thoroughly complete applications and obtain all necessary support documents along with appropriate fee and lock-in information in compliance with mortgage lending regulations

Oversee the loan process by monitoring loan status and ensuring conformity with loan terms and agency guidelines

Assist in collecting all documentation and communicating loan status to all parties

Work with the mortgage and construction loan processors/closers in preparing the loan file for underwriting and closing

Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations including but not limited to conventional, FHA, VA, Rural Development, and portfolio loan programs. Particular attention and focus should be on serving the low-to-moderate (LMI) in TFB’s general markets

Must comply with applicable laws and regulations, including but not limited to, Truth-in-Lending/Real Estate Settlement Procedures Act (TRID), the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, and Community Reinvestment Act (CRA)

Qualification

Residential mortgage lendingFHAVAUSDA knowledgeEllie Mae Encompass SoftwareSales experienceMortgage regulatory guidelinesAnalytical abilityBusiness lead developmentInterpersonal skills

Required

High school diploma or equivalent

Three or more years of outside sales experience

Previous experience in residential and mortgage lending functions

Good knowledge of FHA, VA, USDA, and conventional procedures

Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications

Have well-developed interpersonal skills to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers

A high level of analytical ability to conduct residential real estate analysis and recommend alternatives available in cases where initial analysis revealed insufficient financial posture

Working knowledge of various mortgage regulatory guidelines (e.g., truth-in-lending, HMDA, RESPA, ECOA, FDPA, etc.)

Good knowledge of real estate compliance

The ability to develop business leads is critical

The willingness to make sales calls to potential referral sources is a requirement

Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending

The ability to motivate or influence senior level personnel, internally or externally, is a key component of the job, requiring a significant level of expertise, credibility, influence and trust

Proficiency in developing and delivering material presentations on complex topics can be important to fulfilling the responsibilities of the position

The inability to communicate at this level would disqualify the individual from being able to fulfill their job responsibilities

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

Paid Time Off (PTO)

Paid holidays

Company

Foothills Bank - Division of Glacier Bank

Hank Schechert founded the foothills neighborhood east of Yuma, and his idea for Foothills Bank is based on the same sense of community and friendly, down-to-earth attitude that makes this part of America special.

Founded in 1997

Yuma, Arizona, USA

201-500 employees