Mortgage Loan Originator

Summary

At Citizens Community Bank we believe in building more than just financial success – we build lasting relationships and a strong sense of community. As a forward-thinking, customer-focused community bank, we are passionate about empowering our customers to achieve their financial goals while enriching the communities we serve. As part of our team, you won’t just be another employee – you’ll be a key player in helping us create an innovative and customer-centric banking experience.

This position is primarily responsible for generating residential mortgage loans through solicitation of individual borrowers, real estate agents, builders, and developers. The candidate will be responsible for evaluating, authorizing, and recommending approval of real estate loans including residential purchase, refinance, construction, and lot loans. This individual will guide borrowers through the mortgage application process, assess their financial background, and match them with suitable mortgage products that meet their needs.

• Develop and maintain relationships with real estate agents, builders, and other referral sources.
• Assist clients in completing loan applications, gathering necessary documentation, and understanding loan options.
• Evaluate creditworthiness and financial profiles of applicants.
• Stay current with loan products, underwriting guidelines, and regulations.
• Submit completed loan packages to underwriting for review and approval.
• Monitor the loan process and communicate with clients, realtors, and processors to ensure timely closings.
• Maintain compliance with all federal, state, and local regulations.
• Meet and exceed production goals and targets set by self and management.
• Comply with all regulations, bank policies, and procedures and actively work with compliance and quality control staff along with peers and bank personnel.
• Attend all required meetings and bank sponsored events.
• Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations including but not limited to conventional, FHA, VA, Rural Development, and Idaho Housing and Finance Association first time homebuyer programs. Particular attention and focus should be on serving the low-to-moderate (LMI) in CCB’s general markets.
• Look for cross-selling opportunities such as deposits, consumer loans, commercial accounts, and e-banking.

Additional Responsibilities:

• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB.
• 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).
• 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.
• Must complete the assigned online training courses and achieve a passing score by due date.
• Represent in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Regular and predictable attendance to accomplish assigned job duties.
• Additional duties as requested or assigned.

Required Qualifications:

• High school diploma or equivalent. Bachelor’s degree in finance, business, economics, or a related field (preferred).
• Three or more years of sales experience. (preferred)
• Previous experience in residential mortgage lending. (preferred)
• Basic knowledge of lending and credit procedures.
• Excellent interpersonal and communication skills.
• Strong analytical and customer service skills.
• Good knowledge of real estate compliance.
• NMLS (Nationwide Mortgage Licensing System) license required or the ability to obtain one.
• Ability to work independently and manage time effectively.

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. The employee may also be required to:

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:

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.

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.