HL Loan Officer

Columbia Bank•Tacoma, WA

8d•Onsite

About The Position

The HL Loan Officer originates residential mortgage loans, primarily through self-generated referrals and business relationships with real estate professionals, builders, internal partners, and other referral sources. The position involves outside sales and regularly conducting loan-origination activities away from the office. The officer develops and executes business development and marketing plans against monthly and quarterly production standards. The officer interviews prospective borrowers, reviews financial and credit information, determines financing objectives, advises customers on mortgage products and pricing, and gathers the information needed for accurate disclosures and loan applications. The role obtains and analyzes supporting documentation, including appraisals, title reports, financial information, and credit reports, and maintains responsibility for loan files through processing, underwriting, closing, funding, and post-closing. The officer provides customer service while maintaining knowledge of lending programs, procedures, and regulatory requirements; follows bank policies and compliance obligations; completes required training; and keeps current with applicable regulation changes. The position may also involve coaching, mentoring, or training others, and performing other assigned duties. It is commission based only. The primary location is fully onsite at 2401 Mildred Street W, Tacoma, WA 98466, with occasional travel.

Requirements

At least 2 years of previous self-generated mortgage origination/sales and structuring experience.
Demonstrated knowledge of the home lending industry, including loan processing, underwriting, closing, and funding.
Excellent analytical and problem-solving skills.
Experience collecting and analyzing borrower income and negotiating.
Demonstrated ability to develop sustainable referral sources and generate leads.
Excellent written and verbal communication skills.
Ability to organize and prioritize work, manage and perform multiple tasks, and meet strict deadlines with attention to detail.
Ability to work effectively with individuals and groups across the company and manage internal and external customer relationships.
Proficiency with personal computers and related software, such as Word and Excel.
Must be registered as a Mortgage Loan Originator (MLO) in accordance with SAFE Act requirements.
Must comply with requirements applicable to a Bank Closed-End MLO, including relevant Truth-in-Lending Act and Regulation Z loan originator requirements.

Nice To Haves

High school diploma/GED, vocational training, or equivalent (preferred).
Bachelor's degree in business, finance, or equivalent (preferred).

Responsibilities

Originate residential mortgage loans through self-generated relationships and referrals from real estate professionals, builders, internal partners, and other business sources.
Conduct outside sales and loan-origination activities, including activities away from the office.
Develop and execute business development and marketing plans in line with monthly and quarterly production standards.
Interview prospective borrowers, assess financial and credit data, determine financing objectives, advise on mortgage products and pricing, and gather information for accurate disclosures.
Obtain and review required loan documentation, including appraisals, title reports, financial information, and credit reports.
Maintain responsibility for loan files and documentation throughout processing, underwriting, closing, funding, and post-closing.
Provide exceptional customer service and maintain knowledge of lending programs, policies, procedures, and regulatory requirements.
Follow bank policies and procedures, compliance requirements, and applicable federal and state regulations; complete required training and stay current on regulation changes.
Promote the company and its financial products offered by other areas of the bank.
May coach, mentor, or train others and teach coursework as a subject matter expert.
Demonstrate and foster Columbia's corporate culture, take personal initiative, and serve as a positive example.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plans for eligible associates.
401(k) retirement savings plan with employer match for qualifying associate contributions.
Employee assistance program.
Life insurance.
Disability insurance.
Tuition assistance.
Mental health resources.
Identity theft protection.
Legal support.
Auto and home insurance.
Pet insurance.
Access to an online discount marketplace.
Paid vacation, sick days, volunteer days, and holidays.