Mortgage Loan Officer

If you are a successful MLO, why join us?

1. We are an FDIC chartered commercial bank offering every product in all 50 states including customized loans for HNW customers.
2. Turn-Time. We consistently beat the competition’s turn-time with 100% local credit decisions, in-house operations, underwriting and closing.
3. Fast Appraisal turn around time. As a commercial bank and we have excellent appraisal relationships.
4. Homebuilder Programs. As a commercial bank, we have relationships with and seek new homebuilder relationships.  We have a great homebuilder mortgage program.
5. Excellent Support. You will have a dedicated operations team, including administration, underwriting and closing. High producers are eligible for individual loan assistant and administrative support.  
6. We will tailor a marketing campaign and materials for your network of realtors, customers, and COI’s.
7. Build referral relationships with our branch bankers, commercial lenders, private bankers, wealth management team, real estate lenders and other specialists.
8. The lowest rates. Not low rates with high points and closing costs, we truly offer the lowest rates and pricing in each market.
9. Excellent commission plan. Scalable with no hidden costs to the MLO, we can provide a tailored ramp-up/guarantee plan.
10. Most of our loan officers have been with us for over 5 years. 
11. Location Flexibility. Live in Denver, Boulder, Dallas, etc. and maintain your current network.
12. Work from home with the ability to work from one of our branches as well.

Position Summary

As far as a job description, an MLO’s job is an MLO’s job! Our difference is in our structure, culture of excellence, a diverse workforce, a focus on employees and customers within an inclusive work environment.             

A few job highlights include:

• Work independently but collaboratively with branch bankers, commercial lenders, private bankers, wealth management team, real estate lenders and other specialists.
• Develops and maintains a degree of visibility in the marketplace, along with developing relationships with realtors, real estate professionals, home builders and other business referral sources.
• Attracts new loans through personal sales efforts, community activities and from internal and external bank referrals.
• Utilizes training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.
• Initial analysis of applicant’s financial status and credit history to determine feasibility of granting a loan.
• Responsible for customer communication, locking loans, disclosing loans and collection of all required supporting documentation.
• Adheres to guidelines outlined in the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act/Regulations X and Z/RESPA and TRID).
• Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
• Works closely and cooperatively with Loan Operations ensuring teamwork and superior customer service.
• Assists in development of marketing materials, programs and initiatives to enhance origination efforts.

Qualifications

• Undergraduate degree preferred.
• Active National Mortgage Licensing System License or ability to obtain.
• At least five years mortgage lending experience preferred.
• Demonstrated sales and business development skills.
• Strong verbal and written communication skills.
• Ability to fully understand, analyze and structure mortgage loan requests.
• Ability to prioritize, meet deadlines, and handle multiple tasks simultaneously in a fast-paced, diverse, and growth-oriented environment.
• Must be flexible and able to work in cooperation with other bank staff and officers.

$100,000-$300,00