Mortgage Loan Originator (Northern CO)

First Western•Fort Collins, CO

3d•Onsite

About The Position

First Western is seeking a passionate and experienced Mortgage Loan Originator to join our team in Northern Colorado. This role is vital in helping high-net-worth clients achieve their financial goals by working closely with the Fort Collins Mortgage team to deliver comprehensive solutions. The ideal candidate is passionate about providing exceptional service and is looking for a challenging and rewarding opportunity.

Requirements

Proficient in Microsoft Office Suite.
Strong understanding of MS applications, database/CRM tools, loan origination application systems, and loan pricing engines.
Solid understanding of mortgage regulatory requirements, including SAFE Act, Dodd-Frank, HMDA, TILA, RESPA, ECOA, Fair Lending, and Fair Housing Act.
Demonstrated success in cultivating and maintaining a quality referral network.
Ability to analyze and calculate income from complex financial data.
Solid understanding of mortgage loan processing, underwriting, and closing.
Professional presentation, written and verbal communication skills.
Detail-oriented.
Bachelor's Degree, or equivalent work experience.
1-3 years of recent residential mortgage lending experience, preferably within a bank environment.
Active NMLS registration upon hire.

Responsibilities

Achieve assigned individual annual sales goals in conjunction with office sales goals.
Develop a referral network through prospecting, networking, cold-calling, and community outreach.
Spend more than 50% of working time away from the office soliciting new mortgage loan business.
Provide exceptional customer service by overseeing loan transactions through processing and closing.
Effectively communicate updates to all parties, including Realtors and referral partners.
Respond to all inquiries and referrals within 24 hours.
Meet applicants face-to-face or over the phone.
Conduct interviews with potential applicants to determine appropriate loan programs/products.
Analyze applicants' income, financial information, and credit history, including preliminary qualification.
Present a full loan application with supporting documentation to the operations team within 72 hours.
Complete all initial and subsequent loan disclosures accurately and timely, adhering to TILA, RESPA, and MDIA regulations.
Meet volume goals established by the sales management team.
Attend all sales meetings and complete all required training.