Loan underwriter [h1.location_city]

Residential Mortgage Loan Originator

In this role, you will originate residential mortgage loans through solicitation and developing relationships with real estate professionals, builders, and other business referral sources. You will maintain a quality network of business relationships that serve as recurring sources of referrals for new mortgage lending opportunities and growth for the bank that are primarily self-generated.

Responsibilities :

• Oversee the outside sales and origination of self-generated residential mortgages.
• Develop and execute business development and marketing plan based on monthly and quarterly production standards. You will work to constantly improve performance and exceed minimum monthly standards as set forth in the compensation schedule.
• Conduct interviews with prospective borrowers to analyze financial and credit data, determines customer financing objectives, advises customer on product / pricing policies and guidelines, and gathers all additional required information in order to complete an error free disclosure to the customer. You'll analyze the various mortgage products available to the customer based on the information provided.
• Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, and complying with all Federal and State compliance policies.
• Obtain all required documentation as required (i.e., appraisals, title reports, financial information, pulling credit), by taking complete applications, analyzing information and is accurate with supporting documentation to allow a seamless disclosure, process, and approval on the loan file.
• Maintain overall responsibility for the loan file and documentation through processing underwriting, closing, funding and post-closing by following the transaction through to its conclusion.
• Convey to customers and other associates the advantages of the company and various financial products the company offers through other areas of the bank.
• Complete annual training requirements including all BVS courses before due dates and participate in any system or system related training throughout the year.
• Demonstrate compliance with all bank regulations that apply to your position and keep up to date on regulation changes.
• Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position.
• May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

Qualifications :

This role consists of a salaried draw against commission.

The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

This posting is part of an evergreen requisition to create a pipeline of talent. If you are interested in potential opportunities in this area, we encourage you to apply. While we may not have an immediate opening at this time, we are always looking for top talent and will reach out as positions become available in the posted locations.

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics.