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HL Direct Lending Loan Officer (Spokane)

Company: Umpqua Bank
Location: Spokane
Posted on: January 16, 2020

Job Description:

In this role, you will originate residential mortgage loans within a direct to consumer model from inbound lead traffic. Leads are generated through numerous internal and external sources including existing portfolio customers, bank partner referrals, targeted direct mail solicitation, non-solicited internet applications, and employee loans. Functions Participate in business related development opportunities and community efforts to promote homeownership. A growth mindset is a must you must be excited to be a part of a growing, sustainable business model. Proven production results open the opportunity to add an assistant. Conduct interviews with prospective borrowers to analyze financial and credit data, determines customer financing objectives, advises customer of product/pricing policies and guidelines, and gather any additional required information. 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 required documents (i.e. appraisals, title reports, financial information), take applications and follow through to closing. Cross-sell other bank services to mortgage customers. Work with underwriting, processing, funding and closing by following the transaction through to its conclusion. Sell the advantages of the company and various loan products. Comply with all Federal, State, and local consumer protection laws governing loan origination including the SAFE Act, the Truth in Lending Act (TILA), their implementing regulations (Regulations G and Z), and SAFE Act registration and renewal rules as defined by the bank. 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. Qualifications Requires a high school diploma, vocational training, or equivalent. 1-4 years of relevant mortgage originating and structuring experience. Demonstrated knowledge of the mortgage industry, including processing, underwriting, closing and funding loan. Excellent analytical and problem-solving skills. Experience collecting and analyzing borrower income and negotiating skills. Ability to organize and prioritize, manage and perform multiple tasks. Detail-oriented and able to meet strict deadlines. Must be registered as a MLO as per the S.A.F.E. Act requirements. 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. Registered Mortgage Loan Originator (MLO) This position requires you to act as a Bank MLO, which is defined as an individual authorized by the Bank to take mortgage loan applications, offer a mortgage, arrange a mortgage, assist a consumer in obtaining or applying to obtain a mortgage, negotiate a mortgage, otherwise obtain or make a mortgage for another person, represent to the public (through advertising or other means of communication) that such person can or will perform any of these activities, or refer a consumer to a loan originator (Note: Except those employees of the Bank who do not discuss particular credit terms available and do not refer the consumer, based on the employee's assessment of the consumer's financial characteristics to a particular Bank MLO) for compensation or gain. All MLOs will be required to register as an MLO complying with the SAFE Act requirements. This position is authorized to act as a Bank Closed-End MLO, which is defined as any position designated to perform the activities of a Bank MLO for closed-end transactions, and thus subject to specific Truth-in-Lending Act and Regulation Z Loan Originator requirements. Physical Requirements and Working Conditions Work involves: sitting walking lifting up to 25 pounds. Occasional travel No relocation offered. About Us We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank. Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

Keywords: Umpqua Bank, Spokane , HL Direct Lending Loan Officer (Spokane), Other , Spokane, Washington

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