Real Estate Loan Trainee

Are you looking for a career change?  The Real Estate Loan Trainee could be for you.  This position will give you the skills to learn the trade and move into a Mortage Loan Originator within a growing mortage department through our Core Values:  Honesty and Integrity, Service to the Customer, Teamwork, Respect for the Individual, and Giving to the Communities We Serve. 

The Starting rate for this position in Pagosa Springs, CO is $19.05 per hour

Under supervision of the RE Sales Manager, position is training to become a Mortgage Loan Originator.  The Trainee will learn how to interview customers and perform preliminary credit analysis on new and existing real estate loan applications to arrive at a conclusion to recommend approval or to decline loan applications; documentation review; system input and requirements; applicable process, polices, and procedures and regulations. RE Loan Trainee will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner, and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank while complying with all banking laws and regulations.   Trainee will participate in comprehensive Loan Originator training over a period of 9 – 12 weeks.  Training consists of a variety of classes including Self Paced, Webinar, Group and Face to Face training that will include testing and require passing results.  Real Estate Trainee will be a one year commitment to complete training as well as originate some Mortgage volume that will meet all Compliance and Regulatory requirements.  Real Estate Trainee will be eligible for MLO Originator position based on Sr Management Approval and become eligible for the MLO Comp plan after one successful year as Real Estate Trainee.

DUTIES AND RESPONSIBILITIES:

Essential Functions:

• Under supervision of RE Manager, Trainee learns how to interview customers and perform preliminary credit analysis on new and existing real estate loan applications to arrive at a conclusion to recommend approval or to decline loan applications; learns about documentation review; system input and requirements; applicable process, policies and procedures and regulations. Promote increased customer use of bank products and services to enhance customer satisfaction. Position complies with all banking laws and regulations.
• Assist in originating and/or renewal of loans; ensure loan applications are complete; process loan applications in compliance with all federal regulations and internal loan policies. Complete analysis of applications in a thorough manner; recommend approval or denial of loans based on sound lending policies and a complete review of all aspects of the application and applicant.  Present evaluation to supervisor; assist in renegotiating any changes with the borrower.  Trainee does not have any loan approval authority.
• Submit loan requests in a timely manner to loan processor.
• Maintain contact with individuals concerned with the loans in process including customers, various bank
• departments, and title and escrow companies; schedule/handle closing meetings, including collection of documentation and processing of disbursements. Assist with administration of loan to include overdraft monitoring, field audits and inspections, financial statement analysis, review and monitoring compliance to the loan agreements; perform periodic review of documentation and collateral for review by supervisor.
• Interact with Market Sales Manager as directed by RE Manager.
• Develop and maintain a good relationship with borrowing customers.
• 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 BVS compliance courses on a timely basis.
• Maintain an active registration through NMLS throughout employment.
• Identify and develop relationships with potential new customers.  Maintain and develop an ongoing relationship with current customer base.  Continuously project an image of professionalism and concern in dealings with the public.  Promote loan programs to best meet goals.
• Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures.  Respond to audit reports as requested or required.
• Must be an enthusiastic, engaged Real Estate Trainee focused on a Mortgage career path at Bank of the San Juans.

Additional Responsibilities:

• 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.
• 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).
• 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.

QUALIFICATIONS:

• High School Diploma or equivalent.
• College degree in Business, Finance or combination of education and experience preferred.  
• Six months to two years of similar or related experience, including time spent in accounting, finance, real estate loan operations or consumer lending positions

KNOWLEDGE, SKILL, ABILITY:

•  High degree of attention to detail as well as excellent organization skill (s) to perform in a fast-paced environment.
  
•  Working knowledge of Mortgage/Lending terminology, knowledge of basic mortgage principals is preferred but not required.  
• Ability to obtain NMLS # through the National Mortgage Licensing System.
  
• Must have ability to prioritize and organize heavy workload(s) and demonstrate effective time management skills.
  
• Ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
  
• Ability to work both independently and in a team environment.
  
• Ability to understand and follow complex written and oral instructions and to communicate effectively verbally and in writing
  
• Basic computer skills and working knowledge of standard office equipment.
  
• Strong interviewing, communication and public relations skills.
  
• Professional appearance and attitude

WORK ENVIRONMENT: 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. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing. 

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: 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. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met

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.

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