Mortgage Loan Officer- Hybrid Schedule

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

• Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches.
• Ensures compliance with regulatory guidelines in the performance of loan originator duties.
• Interviews potential applicants to develop information concerning their needs, desires and other information.; obtains and review pertinent financial and credit data.
• Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software.
• Ensures any re-disclosures are made timely.
• May order appraisals through system, arrange for title search and obtain necessary documents.
• Responsible to communicate with the customer throughout the process and work with processors through closing.
• Originates residential home loans.
• Keeps informed of trends and developments in the local real estate market, and changing rules and regulations pertaining to mortgages.
• Develops and maintains internal relationships to drive cross-sell opportunities for other bank products.
• Other duties as assigned.

Qualifications

• Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience.
• A combination of education and experience may meet requirements.
• Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations.
• Ability to successfully solicit loans.
• Good problem solving skills.
• Ability to work independently.
• Strong interpersonal skills.
• Demonstrated ability to handle multiple priorities.
• Strong verbal and written communication skills.
• Ability to work effectively in high pressure environment.
• Ability to work with various types of computer software, including mortgage specific software.