Mortgage Loan Originator

At Security National Bank, if there is one belief we hold together as a team, it’s that everything matters.  From the words we say, to the way we dress, to the decisions we make and the actions we take – every single thing we do matters.  Why?  Because we recognize the inherent value of each individual, and the potential of what each person can become.  We realize every one of life’s interactions is an opportunity to help someone reach that potential.  This is why we treat even the smallest details of life and banking with careful thought and attention.  If you aspire to do the same, we’d like you to advance your career with us at SNB.

JOB DESCRIPTION:

The Mortgage Loan Originator (MLO) places thoughtful care and attention into helping our customers find their new or second place, as well as refinancing loans.  Because at the end of the day, we understand that home matters.  From pre-qualification to closing, our MLO’s help navigate the path towards home ownership.

• Originate and qualify mortgage loan applicants.  This may include interviewing customers to obtain pertinent financial information, analyzing the financial data to counsel the customer on appropriate mortgage funding options, and initiating the process in compliance with all applicable standards, policies, and procedures.
• Prepare and deliver mortgage loan disclosures, in compliance with regulatory guidelines.
• Enter a decision on loans within established mortgage lending guidelines.  Document decision analysis and properly communicate with customer on next steps and underwriting requirements as appropriate.
• Responsible for the underwriting of portfolio loans.
• Coordinate with Loan Production Specialist on the processing of the application and review the loan papers in preparation for a prompt and efficient closing. 
• Coordinate and attend loan closing at the designated Title/Escrow company.   
• Recommend other SNB products and services and refer to the appropriate area to best serve our customer’s needs.
• Conduct business development activities such as establishing relationships with real estate brokers and builders, presenting information to professional groups within the community, and maintain a high degree of visibility for SNB in our market.

EDUCATION AND EXPERIENCE:

• 4 year college degree or related work experience
• Experience with conventional and/or government real estate lending guidelines
• Knowledge of mortgage processing, underwriting, and closing procedure
• Experience with federal lending regulations governing real estate lending
• NMLS registration
• Excellent oral, written, and interpersonal communication skills
• Ability to navigate multiple computer systems and programs with working knowledge of Word and Excel
• Ability to manage multiple requests simultaneously, meet deadlines, and show flexibility to change direction when needed
• Team-oriented and the ability to work collaboratively across all levels of the organization
• Service-oriented, polite, and respectful
• Problem-solving, attention to detail and analytical skills
• Ability to take direction, instruction, and follow through independently until project completion

HOURS:

Some extended business hours.

BENEFITS:

Compensation structure is base salary plus commission with the option to be 100% commission based if desired.

We offer a comprehensive benefit package to our employees including medical, dental, short and long term disability, life insurance, paid time off, a wellness program, and a 401(k) savings plan at hire for future financial protection.

ABOUT SECURITY NATIONAL BANK:

Security National Bank was chartered in 1884 in Sioux City, Iowa; founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty, and human connection.  These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression, two World Wars, and the farm crisis — and emerge as the region’s most established and trustworthy locally owned bank.  We believe what was worth doing well yesterday is still worth doing well today. People change and banking changes, but our time-tested principles remain.  To this day, we believe that doing what’s right is the only way to take care of customers, empower businesses, cultivate growth, inspire our community, and accomplish the remarkable.

Security National Bank is an Equal Opportunity, Affirmative Action Employer.  Applicants are considered for all positions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, marital status, or veteran status.

LEARN MORE:

https://www.snbsd.com/about/employment-opportunities

LOCATION:

Sioux Falls, SD