Mortgage Banking Originator

Join one of the best banks in Arizona. Thanks to our amazing team, Foothills Bank has been named a Top Company to work for in Arizona for five consecutive years Mortgage Loan Originator will have extensive contact with customers, vendors, the public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.
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. They are also responsible for taking a residential mortgage loan application and offers or negotiates terms of a residential mortgage, residential construction, and residential land/lot loans. Ability to work with and support the real estate team and bank personnel proactively, respectfully, and positively. Attend all sales meetings, both in the residential lending department and bank. Accurately and completely comply with all regulations and bank policies and procedures and actively work with compliance and quality control staff along with all peers and bank personnel. Develop qualified leads through internal and external referrals, canvassing, face to face cold calling, and networking the real estate community. Establish and maintain customer referral relationships with Realtors, builders, and developers. Responsible for identifying and building effective networks with other professionals to maximize revenue. Demonstrate the ability to counsel and pre-qualify homebuyers, accurately and thoroughly complete applications and obtain all necessary support documents along with appropriate fee and lock-in information in compliance with mortgage lending regulations. Oversee the loan process by monitoring loan status and ensuring conformity with loan terms and agency guidelines. Work with the mortgage and construction loan processors/closers in preparing the loan file for underwriting and closing. Maintain current knowledge on mortgage products, underwriting guidelines, and industry regulations including but not limited to conventional, FHA, VA, Rural Development, and portfolio loan programs. Must comply with applicable laws and regulations, including but not limited to, Truth-in-Lending/Real Estate Settlement Procedures Act (TRID), the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, and Community Reinvestment Act (CRA). High school diploma or equivalent. Previous experience in residential and mortgage lending functions. Proficiency in Ellie Mae Encompass Software and the ability to learn additional computer applications Have well-developed interpersonal skills to maximize business contacts and develop a working relationship with current and potential residential real estate loan customers. 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. Working knowledge of various mortgage regulatory guidelines (e.g., Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending. Proficiency in developing and delivering material presentations on complex topics can be important to fulfilling the responsibilities of the position. Must be able to routinely perform work indoors in climate-controlled private office with minimal noise. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 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. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

We offer
an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and trai