Mortgage Loan Officer

AA/EEO/Veteran/Disabled employer

Mortgage Loan Officer
Number of openings:
Loan Operations
Date opened:
Kingston or Anacortes, WA
40 hours week
Hourly / Non-Exempt / Commission
Medical-Dental, Vacation-Holiday, 401K
Reports To:
Sensitive Area Department:
Required Consumer Reports for all applicants:
(X) Criminal (X) Drug Screen

POSITION SUMMARY (Kingston & Anacortes, WA)

The Mortgage Loan Originator is responsible for continually identifying, developing and maintaining a network of business relationships to source mortgage lending opportunities


Conduct interviews with prospective borrowers in order to analyze financial and credit data and determine customer financing objectives.
Responds to customer inquiries and referrals that are generated from both their own contacts and from other bank business channels.
Conducts preliminary underwriting reviews to assess secondary market standards (where applicable).Submit complete applications to processing and underwriting using computer technology.
Advise customers on product/pricing policies and guidelines while gathering any additional information.
Assist in obtaining information for timely processing of all mortgage loans. Verify supporting documentation including, but not limited to, employment history, deposit information and other documentation related to the application.
Consistently communicates to customers their application status, (approval, denial, additional documentation, etc.), and current interest rates.
Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements,
Demonstrating commitment to professional ethics by complying with all Federal and State compliance policies and adhering to HMDA requirements.
Other duties as assigned

Minimum Qualifications

Two or more years of experience in a loan origination
Knowledge of conventional and/or government guidelines
Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending
Demonstrated time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously
Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
Strong team and customer service skills
Self-motivated and highly organized
Ability to prioritize multiple competing task
Availability to travel to other worksites and locations as needed.
Must be a minimum of 18 years of age
High School diploma or GED equivalent

Preferred Qualifications

Familiar with FHA and HUD guidelines
Strong computer skills including MS applications
Ability to analyze and comprehend complex financial data and provide financial alternatives


Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.
Work Ethic. Be willing to go the extra mile for the customer, whether internal or external.
Influence. Be an active player in participating, building and contributing to service.
Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing basis in order to better serve the customer, increase personal satisfaction and improve Columbia Bank.
Team Play. We win together. Individuality is encouraged to advance and enrich the work of the team.
Problem Solving. Bring creative, problem-solving mentality to every situation. See alternatives, take initiative and assume responsibility for your actions.
Communication. Keep others informed and up-to-date. Actively listen and learn from each other.

Physical/Mental Requirements
Ability to sit at a computer monitor for extended periods of time
Ability to perform repetitive finger, hand, and arm movements
Ability to lift up to 5lbs.
Ability to effectively discern information and formulate appropriate action
Ability to reach, squat, bend, and manually manipulate standard office equipment


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