Experience Inc. Jobs

About The Role

Summary: Originates first and second mortgages, loan assumptions and endorsements. Solicits new mortgage business, maintains good outside working relationships, and promotes the organizations products and services. The compensation base pay for this position is $24.04 per hour and has a Commission Incentive Plan. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. Primary Duties/Responsibilities: 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. Notifies client to resolve discrepancies such as late payment history, judgments, etc. Discusses options. Informs client of closing costs such as appraisals, and attorney fees. Prepares records and reports as requested regarding loan origination and closing activities as needed. Collects supporting loan documentation. Makes requests for a personal employment and credit check of the applicant(s) and order the appraisal for the property and/or construction plans under consideration. Maintain constant communication with clients via email, phone, and mail, from application, to closing, and post-closing. Communicate with attorneys, realtors, appraisers, and vendors pertaining to specific client need 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. Other Job Functions:

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 regula Adhere to the Core Values of Collegiate Peaks Bank. Keeps management appropriately informed of area activities and of any significant problems. Participate in Community Service, CRA and Bank sponsored activities that serve and support the mission and values of Collegiate Peaks Bank. 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 GBCI assigned OnCourse training within assigned time frame(s), or sooner at managements discretion. Represent Collegiate Peaks Bank 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. Attends and participates in meetings as required. Additional duties as requested or assigned. About You

Qualifications: Education/Certification:

Two-year college degree or completion of a specialized course of study at a business or trade school. Current MLO active registration in place.

Required Knowledge: Knowledge of Fannie Mae and Freddie Mac guidelines is required. Bi-lingual skills are a plus. A working knowlegedge of the Denver or Chaffee County Real Estate markets is preferred. Experience Required: Two to Five years of similar or related experience, including time spent in preparatory positions. A moderate level of community bankin knowledge including lending. Skills/Abilities: Strong interpersonal skills. High level of independent judgement. Ability to work independently. Basic accounting skills-ability to analyze and understand tax returns, P&Ls, income statements, and the ability to prepare thorough, accurate self-employed income analysis. Excellent interviewing, communication, and public relations skills. Professional appearance and attitude. Strong analytical and financial skills. Ability to operate related computer applications, and other business equipment including calculators, printers, and telephones. Strong typing skills.

Working Conditions: Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

While performing the duties of this job, the employee is often required