Mortgage Loan Originator

Ubicación

Colorado Springs

Tipo

Full Time

Summary

The Mortgage Loan Originator is the primary company representative to the real estate community. The objective is to develop referral relationships among the professional community including realtors, homebuilders, accountants, attorneys, home improvement contractors, other lenders, credit unions, and community development agencies. This position is responsible for obtaining outside leads and does not depend solely on leads provided by Herring Bank. This position facilitates individual applications and acts as a liaison between processing, underwriting, closing, and the borrower.

Essential Duties

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

· Developing a specific client base

· Weekly distribution of rates and programs to clients

· Meet with Sales Managers, Referral Partners to promote awareness of company products

· Regular attendance of realtor and builder open house events

· Meet with applicants to obtain information for loan applications and to answer questions about the process.

· Analyze the applicant’s financial status, credit, and property evaluation to determine the feasibility of granting the loan.

· Explain to customers the various types of loans and credit options that are available, as well as the terms of those services.

· Obtain and compile copies of loan applicant’s credit history, financial statements, and property information.

· Assure complete application is submitted in compliance with company guidelines

· Correctly communicate lock-in of interest rates with borrower, company, and investor/secondary marketing.

· Perform weekly status checks on all cases in process and report progress to all interested parties.

· Participate in coordinating closings/settlements with borrowers/agents/title-escrow companies.

· Must be organized, self-motivated, and team player

· Ability to operate a personal computer

· Foster teamwork in the branch to ensure a positive overall customer experience and positive work environment.

· Answer telephones, answer questions, and direct callers to proper Bank personnel

· Participate in bank training to enhance the skill set and meet compliance requirements.

· Punctuality and good attendance are imperative

· Cross-sell the Bank's other products and services, referring customers to appropriate staff as indicated

· Non-Exempt - Ability to work your schedule up to 40 hours with little or no overtime and complete tasks assigned.

Minimum Requirements

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill, and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Must be able to pass a background and credit check

· High School Diploma or equivalent with 5 years of experience in Sales or Account Management experience, required. Associates Degree with at least 3 years of Sales or Account Management experience or Bachelors degree, preferred.

· Ability to learn systems quickly

· Ability to create business connections and grow your portfolio

· Current NMLS, or the ability to obtain an NMLS within 60 days.

· Must be organized, self-motivated, and team player

· Excellent social and networking skills to support the community bank image

· Complete in-house training based on requirements set up for this position

· Proven ability to provide an Excellent Customer Experience

· Basic skills in computer terminal and personal computer operation; word processing and spreadsheet software.

· Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.

· Ability to maintain confidentiality at all times

· Ability to work with minimal supervision while performing duties.

· Ability to deal with routine problems involving multiple facets and variables.

· Must follow company policies, all state, and federal laws, regulations, and guidelines

· Current driver's license and a vehicle with appropriate insurance coverage are required to drive in the course of performing assigned duties and responsibilities.

The incumbent must be able to perform this position safely, without endangering the health or safety of themselves or others.

Secondary Duties

The position of Mortgage Loan Originator performs duties specific to the position and other functions as assigned.

Supervisory Responsibilities

The position of Mortgage Loan Originator has no supervisory responsibility.

Environment and Physical Activity

The environment for this position is an open office that is mostly clean and comfortable and includes driving a Bank or personal-owned vehicle up to 50% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), driving, seeing (such as close, color, and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, and reaching.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color, and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy, and fax machines adding machine (calculator), computer terminal, personal computer, and related printers

Mental Demands

The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem-solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MEMBER FDIC – EQUAL OPPORTUNITY EMPLOYER

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements, or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other and/or different tasks be performed as assigned.

Compensación: $11.53 per hour

Somos un empleador con igualdad de oportunidades y todos los candidatos calificados recibirán consideración por el empleo sin distinción de raza, color, religión, sexo, origen nacional, estado de discapacidad, estado de veterano protegido o cualquier otra característica protegida por la ley.

Herring Bank

Herring Bank was founded in 1899, by Colonel C.T. Herring. Colonel Herring lived in Vernon, TX and saw a need for a bank. The cattleman would drive their cattle from Oklahoma through Vernon to Fort Worth to sell their cattle. When the cattleman sold their cattle and they went back to Oklahoma they were loaded with cash. Oklahoma was know as the badlands for a good reason, when the cattleman crossed in to Oklahoma they could lose their life and it was a sure bet that they would lose their money. With a bank in Vernon, TX, Herring Bank, they could deposit their funds and when they crossed into Oklahoma, the badlands, they would not lose their money, so the thieves had no reason to rob them

At Herring Bank we “Build Relationships for a Lifetime” come join us at our family owned bank.

Página Web de la Compañía: www.herringbank.com

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"In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire." Answer Yes if you understand. *

I understand that I will be considered to be an "Applicant" only if I have properly completed this application, designated a particular position that is open (or may come open in 90 days) and my background and qualifications meet Herring Bank's requirements for such position. I certify that all information given on this application is true and correct. I understand that any misrepresentation or falsification of information or material omission will be cause for rejection of my application or for subsequent corrective action or termination of employment if discovered at a later date. I certify that I will read and understand Herring Banks substance abuse policy. If my application for employment is accepted, the effective date of my employment shall be the time I actually begin to work. If I am employed, I agree to comply with and be bound by Herring Bank's policies, practices, safety and health rules. I understand that my employment is not guaranteed for any term and that my employment may be terminated by the company or myself at any time with or without cause. No management official is authorized to make any oral assurance or promise of continued employment. I hereby give Herring Bank the right to make a thorough investigation of my past employment, education and activities and release from all liability, from all person, companies, corporations and agencies supplying such information. I indemnify Herring Bank against any liability that might result from making such investigation and acknowledge the results of any such investigation may be grounds for disqualifying me or terminating my employment. I have read and full understand the contents of the Certification and Agreement Section.*

Are you Bilingual? If so please advise of languages the you can read, write and speak. (required)*

Have you ever been convicted of a Felony? If the answer is yes, please explain below. (required)*

Were you referred by a Herring Bank Employee? If so please list their name below. (required)*

Do you have basic Personal Computer (PC) skills? (required)*

Are you an organized, self motivated team player? (required)*

Do you have a proven ability to provide a Excellent Customer Experience? (required)*

What is your current Salary? (required)*

Información de Empleo de Igualdad de Oportunidades en los EE. UU. (La finalización es voluntaria)

Se le brinda la oportunidad de proporcionar la siguiente información para ayudarnos a cumplir con el mantenimiento de registros, informes y otros requisitos legales de Igualdad de Oportunidades de Empleo / Acción Afirmativa a nivel federal y estatal.

La finalización del formulario es completamente voluntaria. Cualquiera que sea su decisión, no será considerada en el proceso de contratación o posteriormente. Cualquier información que usted proporcione se registrará y mantendrá en un archivo confidencial.

Género

Raza/Etnicidad

Estado de Discapacidad

Formulario CC-305
Número de Control OMB 1250-0005
Expira el 30/04/2026

¿Por qué se le pide que rellene este formulario?

Somos un contratista o subcontratista federal. La ley nos obliga a ofrecer igualdad de oportunidades de empleo a las personas con discapacidad cualificadas. Nuestro objetivo es que al menos el 7% de nuestros trabajadores sean personas con discapacidad. La ley dice que debemos medir nuestro progreso hacia este objetivo. Para ello, debemos preguntar a los solicitantes y a los empleados si tienen o han tenido alguna discapacidad. Las personas pueden convertirse en discapacitadas, por lo que debemos hacer esta pregunta al menos cada cinco años.

Rellenar este formulario es voluntario y esperamos que decida hacerlo. Su respuesta es confidencial. Nadie que tome decisiones de contratación la verá. Su decisión de rellenar el formulario y su respuesta no le perjudicarán en modo alguno. Si desea obtener más información sobre la ley o este formulario, visite el sitio web de la Oficina de Programas de Cumplimiento de Contratos Federales (OFCCP) del Departamento de Trabajo de EE.UU. en www.dol.gov/ofccp.

¿Cómo saber si tiene una discapacidad?

Una discapacidad es una condición que limita sustancialmente una o más de sus "actividades vitales principales". Si tiene o ha tenido alguna vez una afección de este tipo, usted es una persona con discapacidad. Las discapacidades incluyen, pero no se limitan a:

Trastorno por consumo de alcohol u otras sustancias (sin consumir drogas ilegalmente en la actualidad)
Trastorno autoinmune, por ejemplo, lupus, fibromialgia, artritis reumatoide, VIH/sida
Ceguera o problemas de visión
Cáncer (pasado o presente)
Enfermedad cardiovascular o del corazón
Enfermedad celíaca
Parálisis cerebral
Sordera o dificultades auditivas graves
Diabetes
Desfiguración, por ejemplo, desfiguración causada por quemaduras, heridas, accidentes o trastornos congénitos
Epilepsia u otro trastorno convulsivo
Trastornos gastrointestinales, por ejemplo, enfermedad de Crohn, síndrome del intestino irritable
Discapacidad intelectual o del desarrollo
Enfermedades mentales, por ejemplo, depresión, trastorno bipolar, trastorno de ansiedad, esquizofrenia o trastorno de estrés postraumático
Ausencia total o parcial de miembros
Problemas de movilidad que requieran el uso de una silla de ruedas, un escúter, un andador, una pierna ortopédica u otros dispositivos de apoyo
Afección del sistema nervioso, por ejemplo, migrañas, enfermedad de Parkinson, esclerosis múltiple (EM)
Neurodivergencia, por ejemplo, trastorno por déficit de atención con hiperactividad (TDAH), trastorno del espectro autista, dislexia, dispraxia u otras dificultades de aprendizaje
Parálisis parcial o total (por cualquier causa)
Afecciones pulmonares o respiratorias, por ejemplo, tuberculosis, asma, enfisema
Baja estatura (enanismo)
Lesión cerebral traumática

DECLARACIÓN PÚBLICA DE CARGA: De acuerdo con la Ley de Reducción de Trámites de 1995, ninguna persona está obligada a responder a una recopilación de información a menos que dicha recopilación muestre un número de control OMB válido. Esta encuesta debería completarse en unos 5 minutos.

Estatus de Veterano

Si cree que pertenece a alguna de las categorías de veteranos protegidos que figuran a continuación, indíquelo haciendo la selección adecuada. Como contratista del gobierno sujeto a la Ley de Asistencia para el Reajuste de Veteranos de la Era de Vietnam (VEVRAA), solicitamos esta información para medir la efectividad de los esfuerzos de alcance y reclutamiento positivo que llevamos a cabo de conformidad con VEVRAA. La clasificación de las categorías protegidas es la siguiente:

Un "veterano discapacitado" es uno de los siguientes: un veterano de los servicios militares, terrestres, navales o aéreos de los EE. UU. Que tiene derecho a una indemnización (o quién, salvo el pago militar jubilado, tendría derecho a una indemnización) según las leyes administradas por el Secretario de Asuntos de Veteranos; o una persona que fue dada de alta o liberada del servicio activo debido a una discapacidad relacionada con el servicio.

Un "veterano recientemente separado" se refiere a cualquier veterano durante el período de tres años que comienza en la fecha de la descarga o liberación de dicho veterano del servicio activo en el servicio militar, terrestre, naval o aéreo de los EE. UU.

Un "veterano de tiempo de guerra en servicio activo o insignia de campaña" significa un veterano que estuvo en servicio activo en el servicio militar, terrestre, naval o aéreo de los EE. UU. Durante una guerra o en una campaña o expedición para la cual se ha autorizado una insignia de campaña según las leyes. administrado por el Departamento de Defensa.

Un "veterano de la medalla del servicio de las Fuerzas Armadas" significa un veterano que, mientras estaba en servicio activo en el servicio militar, terrestre, naval o aéreo de los EE. UU., participó en una operación militar de los Estados Unidos por la cual se otorgó una medalla de servicio de las Fuerzas Armadas 12985.

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Mortgage Loan Originator

Ubicación

Colorado Springs

Tipo

Full Time

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Herring Bank

Página Web de la Compañía: www.herringbank.com

O aplicar aquí.

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