Mortgage Banking Originator

We are seeking a motivated and customer-focused Mortgage Loan Originator (MLO) to join our growing Mortgage Team in Grand Junction, Colorado. In this role, you will be responsible for developing business opportunities and originating residential mortgage loans through referrals, branch partnerships, real estate professionals, builders, and community networking activities. The successful candidate will possess a strong understanding of mortgage lending practices, regulatory requirements, and the mortgage origination process. In addition, the ability to identify opportunities to introduce customers to other bank products and services is essential to building and strengthening long-term banking relationships. This position requires excellent verbal and written communication skills, sound judgment, attention to detail, and the ability to understand and explain complex financial information, policies, procedures, and documentation. Candidates must be capable of working independently while maintaining a high standard of customer service and regulatory compliance. If you are driven by results, passionate about helping customers achieve their homeownership goals, and energized by building relationships and generating new business, we encourage you to apply. Service to the Customer Giving Back to the Communities We Serve Compensation may vary based on experience, qualifications, business development efforts, and overall performance. All incentive compensation is administered in accordance with applicable laws, regulations, and company policies. Bank Happy. Determine financing objectives and goals. Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed. Receives and screens loan applications. Pulls, review and analyzes credit. Gathers financial data. Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration. Maintain constant communication with clients via email, phone and mail form application to closing and post-closing. Maintains contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures. Receives inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures. Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements. 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, RESPA, Regulation B, TRID and any other Mortgage related regulations. Adhere to Bank of the San Juans Company Core Values. Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans. Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel). Complete required bank and BVS training courses within assigned time frame(s), or sooner at managements discretion. Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. A two-year college degree or completion of a specialized course of study at a business or trade school. Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment. Bi-lingual skills are a plus. Basic Accounting skills
- ability to analyze and understand tax returns, P&Ls, income statements and ability to prepare thorough, accurate self employed income analysis. Strong analytical and financial skills. Ability to operate related computer applications, and other business equipment icluding calculators, printer and telephone. Strong typing skills Must be capable of up to 25% travel (e.g. 1 week or 5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing. 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 calc