Inside Sales Mortgage Loan Officer

First Interstate•Whitefish, MT

3d•Onsite

About The Position

The Inside Sales Mortgage Loan Officer originates permanent residential mortgage loans through the bank’s digital platform and participates in related business development activities. The role supports the entire First Interstate Bank footprint by handling inbound calls and online mortgage inquiries. It is a fast-paced, high-volume position with provided leads, a competitive base salary, and per-unit incentives. The position may be located at the Kalispell or Whitefish, Montana branches.

Requirements

Bachelor’s degree.
Four to six years of related experience and/or training, or an equivalent combination of education and experience.
Strong customer service skills and a thorough understanding of the mortgage process.
Thorough knowledge of FHA, VA, RD, state bond programs, and conventional real estate regulations.
Valid driver’s license.
Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations.
Ability to write reports and business correspondence and effectively present information and respond to questions.
Ability to calculate figures and amounts, apply basic algebra and geometry, define problems, collect data, establish facts, and draw valid conclusions.
Ability to interpret technical instructions in mathematical or diagram form and work with abstract and concrete variables.
Successful applicants must pass pre-employment screening against the Limited Denial of Participation list, GSA Excluded Party List System, and Freddie Mac Exclusionary List.

Nice To Haves

Four to six years of residential mortgage lending experience, including handling complex loans.

Responsibilities

Handle inquiries and leads from First Interstate Bank digital platforms, including phone, email, and website inquiries, as well as direct branch referrals and self-sourced opportunities.
Use a consultative selling approach to understand applicants’ housing goals, needs, and time frames and recommend available loan options.
Convert leads to full applications and submit complete loan applications and proper documentation to the processing team.
Set and maintain realistic expectations with all affected parties and follow Ability to Repay guidelines established by FIB and the investor.
Obtain and analyze credit reports, understand their data and approval implications, and lock interest rates when requested or approved by the customer.
Manage the lead pipeline and new inquiries to meet department key performance indicator requirements for consistent contact with all parties involved in transactions.
Navigate the loan origination system and ensure full understanding of and compliance with all requirements.