Job Details


Requisition Number 17-1237-08KTCHM
Post Date 8/4/2017
Title Real Estate Originator
City Ketchum
State ID
Bank/Branch Mountain West Bank - Ketchum
Job Family Mountain West Bank
Part Time No
Description Come and work for one of the top 10 best companies to work for in Idaho! At Mountain West Bank, we love where we work!

Mountain West Bank is seeking a Mortgage Loan Originator for our Ketchum Branch. This position is primarily responsible for increasing branch referrals and outside sales by generating residential mortgage loans through solicitation of individual borrowers, real estate brokers, builders, and developers. This position is responsible for taking a residential mortgage loan application and offers or negotiates terms of a residential mortgage loan.

Our ideal candidate's minimum qualifications are three or more years of outside sales experience, strong well developed interpersonal skills in order to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers, regulators, and secondary market contacts, as well as effectively lead and motivate a staff of subordinates, a high level of analytical ability to conduct residential real estate analysis and recommend alternatives available in cases where initial analysis revealed insufficient financial posture, a working knowledge of various mortgage regulatory guidelines (e.g. truth-in-lending, HMDA, RESPA, ECOA, FDPA, etc.) and a good knowledge of real estate compliance.

Preferred experience includes previous experience in residential and mortgage lending functions, good knowledge of FHA, VA, USDA and conventional procedures, proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications and knowledge or MWB policy, procedures and products

Apply today to join our fabulous team!

Full Time benefits include medical, dental, vision, flexible benefit plan, life insurance, voluntary life insurance, short term disability, paid sick leave, paid vacation leave, personal days, holiday pay and 401(k) with profit sharing contributions.

Our benefits include:
• 2016 / 2017 Top 10 Best Places to Work in Idaho!
• A culture that promotes fun at work!
• Legendary Service Program
• Mountain West Bank University
• Promoting from within whenever possible
• Robust training program
• Living the FISH! Philosophy
• 401(k) Match with Profit Sharing Contribution
• Monthly casual days
• Employer pays a significant portion of Employee’s and dependents medical insurance
• Verizon cell phone discount – 17% off your bill!
• Numerous community service opportunities
• Employee loan discounts
• Discounted gym membership
• AFLAC supplemental insurance
• MWB family days
• Formal orientation program
• Random fun days!
• Annual employee appreciation day
• Pay it Forward day
• Wellness program with cash incentives
• Anniversary awards
• Free turkey at Thanksgiving
• Annual CEO visit
• Focus groups and fireside chats
• Annual benefit statements
• Education reimbursement
• Incentive programs for catching fraud and referring business
• Big Days!
• Logo wear credit
• Employee Assistance Program
Requirements Summary/Objective

This position is primarily responsible for increasing branch referrals and outside sales by generating residential mortgage loans through solicitation of individual borrowers, real estate brokers, builders, and developers. This position is responsible for taking a residential mortgage loan application and offers or negotiates terms of a residential mortgage loan.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Responsible for meeting sales volume and goals from internal and external referrals..
2. Develops annual business plan in conjunction with Manager which details activities
a. to follow which will focus on exceeding sales quota.
3. Attend all sales meetings both in the residential lending department and branch.
4. Develops qualified leads through internal and external referrals, canvassing, face to face cold calling, direct mail, and networking the real estate community.
5. Establish and maintain customer referral relationships with realtors, builders, and developers;
6. Maximizes all opportunities in the process of closing a sale resulting in the taking of market share from competitors.
7. Responsible for identifying and building effective networks with other professionals to maximize revenue.
8. Since this position is Non-Exempt (hourly),employees must record their time in Ultipro each day and must adhere to an internal marketing plan designed specifically for this position (see attached)
9. Demonstrates the ability to counsel and pre-qualify home buyers, complete applications and obtain all necessary support documents along with appropriate fee and lock-in information in compliance with mortgage lending regulations.
10. Oversee loan process by monitoring loan status and ensuring conformity with terms
11. Assist in collecting any and all documentation and communicating loan status to all parties
12. Compile, compute, and prepare handouts and finance information, such as closing costs and rate comparison sheets for realtors and builders. (All handouts and advertising must be approved by the Compliance department before distributing)
13. Work with the processor in preparing the loan file for underwriting.
14. Provide the processor with Investor guidelines when applicable
15. Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations
16. Responsible for sourcing and developing client relationships and referrals using branch personnel to capitalize on cross-selling opportunities.
17. Maintain contact with customers in the market area to ensure high levels of customer satisfaction
18. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

Competencies
1. Customer/Client Focus
2. Confidentiality
3. Technical Capacity
4. Stress Management/Composure
5. Thoroughness
6. Communication Proficiency

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.
Physical Demands

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. 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 whenever required or requested by management. Must be capable of travel by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Must be capable of regular, reliable and timely attendance.

Required Education and Experience

1. High school diploma or equivalent.
2. Three or more years of outside sales experience.
3. Have strong well developed interpersonal skills in order to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers, regulators, and secondary market contacts, as well as effectively lead and motivate a staff of subordinates.
4. A high level of analytical ability to conduct residential real estate analysis and recommend alternatives available in cases where initial analysis revealed insufficient financial posture.
5. Working knowledge of various mortgage regulatory guidelines (e.g. truth-in-lending, HMDA, RESPA, ECOA, FDPA, etc.)
6. Good knowledge of real estate compliance.

Preferred experience
1. Previous experience in residential and mortgage lending functions.
2. Good knowledge of FHA, VA, USDA and conventional procedures
3. Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications
4. Knowledge or MWB policy, procedures and products

ADA Requirements


Physical Requirements
Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. 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.

Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.

Mountain West Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


  • Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
  • Please view Equal Employment Opportunity Posters provided by OFCCP here.
  • The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Apply On-line
Send This Job to a Friend

Copyright , © SNL Financial LC Terms of Use