MORTG ORIGINATOR @ Pinnacle Bank/Bank of Colorado

GENERAL SUMMARY

Originates loans for the purpose of resale on the secondary market. Originating loans outside of place of business over 50% of the time. These duties include: determining the appropriate loan program, interest rate selection, collecting and analyzing financial data from borrowers to determine creditworthiness. Apply online at https://www.bankofcolorado.com/careers 100% Commission

RESPONSIBILITIES AND DUTIES

• Responsible for creating new customer relationships; developing realtor and contractor referral network.
• Customarily and regularly is engaged away from the employer’s place of business.
• Responsible for quick response to any walk in or phone requests.
• Responsible for reviewing loan applications to ensure proper documentation.
• Review daily status of loans in process, updates applications as necessary, copy loan documents and update status report.
• Responsible for making an effort to cross-sell bank products and in-house loans.
• Responsible for accurate and timely preparation and delivery to the borrower(s) of the early disclosures for all approved loan applications.
• Responsible for pricing of loans at appropriate rate.
• Responsible for reviewing any loan declinations with the underwriter.
• Follow up with the customer to offer other products.
• Regular and reliable attendance.
• Assists with other job-related duties as assigned by manager.
• KNOWLEDGE, SKILLS, AND ABILITIES: Knowledge of FNMA, FHA, VA and NIFA guidelines.
• Knowledge of underwriting process.
• Knowledge of the secondary market, agency loan products and guidelines.
• Knowledge of bank policies and procedures.
• Ability to communicate with customers and co-workers in a courteous and professional manner.
• Ability to type with high degree of speed and accuracy.
• Ability to multi-task, and function as a team player.
• Ability to sell mortgage and bank products.
• Ability to work with accuracy, organization, and attention to detail.

EDUCATION AND EXPERIENCE

• High School diploma or equivalent.
• Two years of previous mortgage loan originating experience required.

BENEFITS

Benefits for employees working at least 35 hours per week include 8 paid holidays; 17 PTO days each year for the first five years of employment (employees must complete 90-day introductory period prior to accruing PTO); 16 hours of paid sick time upon hire date; health, dental, prescription drug card, vision, and voluntary life insurance plans; health savings account with employer contributions; flexible medical and dependent care spending plans; 401K plan after 3 months and start of next quarter with employer contributions and profit sharing; $50,000 group term life insurance; long term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified.

PHYSICAL REQUIREMENTS

• Seeing: 75-100% Must be able to read documents, use computer Hearing: 75-100% Must be able to communicate with customers and co-workers in person and on the telephone.
• Standing/Walking: 25-49% Must be able to visit with the Loan Officer, go to areas of the office to use copier & fax machines, etc.
• Climbing/Stooping/Kneeling: 25-49% Must be able to kneel or stoop to file mortgage loan files in cabinets.
• Fingering/Grasping/Feeling : 75-100% Must be able to use computer, write and place paperwork in file folders.

PHYSICAL DIMENSIONS

• Light Work: Exerting up to 20 pounds of force occasionally, and/or a negotiable amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects.
• Job involves sitting most of the time and if walking and standing is required, only occasionally.
• NOTE: The statements herein are intended to describe the general nature and level, or work being performed by employees assigned to this classification.
• They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel so classified.

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