Mortgage Loan Originator

We are searching for an ambitious and experienced Mortgage Loan Originator to join our growing Mortgage Loan Team to work from our Layton Hills Branch (1601 N Hillfield Rd, Layton), with support to our other locations across the Davis county. Apply for this position if you enjoy assisting customers with their mortgage lending needs; analyzing loan requests and making necessary credit decisions while abiding by mortgage lending policies! 

DUTIES AND RESPONSIBILITIES:

• Develops origination techniques including sales and analytic skills in order to support customers seeking a mortgage loan
• Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• Reviews and evaluates information on mortgage loan documents to determine if borrower, property, and loan conditions meet Bank and regulatory standards.
• Approves or rejects loan application or requests additional information.
• Evaluates acceptability of loan on secondary mortgage markets.
• Educates the borrower on the terms and conditions of an approved loan and their financial responsibility of the loan.
• Calls or visits customers who are delinquent on their loan payment (may not be applicable to brokered loans).
• Protects the Bank on all levels from fraud and reputation risk.
• Markets the Bank's mortgage lending program to companies and individuals within the real estate community.
• Cross-sells other Bank services.
• Performs other duties as assigned.
• 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.

KNOWLEDGE, SKILL, ABILITY:

• Past mortgage lending experience is required 
• Equivalent to a college degree 
• The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust.
• Cooperation (internally and/or externally) is an important part of the job.
• Must have good communication skills; 10-key calculator and keyboard skills required.
  
  

• Bachelor's Degree Business related field or equivalent experience (preferred)

QUALIFICATIONS:

• Must have reliable transportation and be willing to travel to different branch locations 
• Knowledgeable in the use of mortgage loan software and automated underwriting systems 
• Educated in program guidelines for mortgage lending products offered through Fannie Mae, Freddie Mac, FHA, FTC and VA.
• Ensure compliance is met in regards to all regulations. Must have an understanding of pricing and locking mortgage interest rates.

• Produce assigned loan volume (dollars and/or numbers).

• Maintain a delinquency rate at or below 1% of loan portfolio (may not be applicable to brokered loans).

• Ensure that all approved loans comply with established loan standards.

• Sell assigned volume of Bank products and services.

• Maintain a professional, courteous, and friendly atmosphere for customers and co-workers.

LICENSES, CERTIFICATIONS, REGISTRATIONS:

• Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

WORK ENVIRONMENT: Primarily at a desk and traveling by vehicle to meet with customers.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. 

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 able to work extended hours or travel off site whenever required or requested by management. 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: Occassionally may require lifting of up-to 20 lbs.

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.

COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.