Mortgage Loan Originator Trainee

The Mortgage Loan Originator Trainee (MLO Trainee) is an entry-level lending position designed to develop future commission-based Mortgage Loan Officers through training, mentorship, and hands-on experience. Working closely with the Real Estate Manager and other lending staff, the MLO Trainee will assist with loan origination activities, customer relations management, and loan pipeline support while building the knowledge and skills necessary to independently originate residential mortgage loans.

The MLO Trainee will participate in on-the-job development program focused on mortgage products, regulatory compliance, loan origination, sales techniques, and relationship management.

Must be team and sales oriented and have excellent communication and interpersonal skills. Requires self-direction, tact, diplomacy, and a clear, courteous, and professional manner when dealing with the public and other employees. Must be a self-starter with ability to adapt to change, work under pressure, and have attention to detail. This position requires exceptional customer service skills, positive attitude, and expressed enthusiasm.

Real Estate Lending:
* Assist customers with the mortgage application process and gather required documentation.
* Set up and maintain loan files to ensure accuracy, completeness, and timely processing.
* Conduct preliminary borrower interviews and assist with customer pre-qualification activities.
* Support Mortgage Loan Officers and management in preparing loan applications for underwriting review.
* Monitor loan pipelines and communicate status updates to borrowers, processors, and referral partners.
* Coordinate with processors, underwriters, closing agents, and other stakeholders to facilitate timely loan closings.
* Review loan documentation for completeness and accuracy.
* Assist with automated underwriting submissions and system updates.
* Prepare loan-related materials, financing scenarios, and customer information packets as approved by Compliance.
* Maintain accurate records and activity tracking within bank systems.
* Analyze loan requests for residential real estate loans.
* Knowledge and ability to originate FHA, VA, and conventional loans.
* Order and review title reports, legal documents, and appraisals.
* Approve loan fund disbursements.

* Demonstrates knowledge on current loan programs and lending (federal and state) regulations, as well as all compliance and bank policies and procedures.
* Completes all training recommended for position success.

Sales & Business Development
* Maintains positive relationships with existing customer base.
* Support branch mortgage growth initiatives through customer outreach, networking, and referral generation.
* Participate in community events, sales meetings, and business development activities.
* Assist in identifying opportunities for cross-selling mortgage products through branch partnerships.
* Gradually develop a referral network of real estate professionals, builders, and community contacts under management guidance.
* Contribute to departmental production and service goals as experience and licensing requirements permit.
* Project an image of professionalism and genuine concern in dealing with the public.
* Will participate in community events and activities to enhance the image of Western Security Bank and develop relationships within the area in which we serve.

Customer Service:
* Adhere to Western Security Bank Company Mission, Vision, Core Values, and Service Principles.
* Responsible for knowing WSB products and being able to articulate the advantages to the customer.
* Responsible for selling products and services to customers. Customers are given very high-quality service so they will perceive Western Security Bank as an excellent place to do business.
* Responsible for optimum availability to the customer during the work week.
* Ability to handle initial requests for services competently and courteously.
* Ability to call the customer by name and engage the customer in conversation.
* Ability to establish rapport and show concern.
* Inspires trust and confidence in clients through problem solving, listening carefully to client needs, and by proactively recommending products and/or services.
* Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers.
* Demonstrate a "customers come first" approach when prioritizing tasks.
* Maintains a professional, courteous, service-oriented relationship with all internal and external customers.

Customer Development:
* Responsible for listening to, and meeting, the customer's needs.
* Responsible for making recommendations that will meet the customer's needs by discussing, recommending, and providing a simple description of the solution that shows the benefits.
* Identify and develop profitable relationships with potential new customers by participating in civic, industry, and community activities.
* Maintains an aggressive customer call schedule.
* Must demonstrate effective execution against professional sales skills including planning, execution and follow-up.

Development Expectations- During the first 12 months, the Junior Mortgage Loan Officer is expected to:
* Complete all required mortgage lending and compliance training.
* Develop proficiency in loan origination systems and mortgage technology platforms.
* Learn conventional, FHA, VA, USDA, and portfolio lending products.
* Demonstrate increasing ability to independently manage customer interactions and loan applications.
* Build foundational referral and networking skills.
* Progress toward independent loan production responsibilities.
* Transition to base + commission compensation structure within 12 months of being a Trainee.

Miscellaneous Duties
* 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.
* Complete required bank and OnCourse training courses within assigned time frame(s).
* Represent Western Security 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.
* Attend and participate in meetings as required.
* Function as a knowledgeable and professional representative of WSB internally and in the community.
* Required to be a highly visible, positive representative of WSB internally and in the community.
* Work effectively with the Real Estate Processing department and participates as a team member of the assigned Branch.
* Perform duties while complying with Federal and State Laws and GBCI/WSB policies.
* Contribute to team effort by accomplishing related results as needed, including special projects as assigned.
* Additional duties as requested or assigned.

* A minimum of two years of customer service, banking, retail sales, financial services, or residential lending experience required.

* Previous experience in lending, banking, real estate, or loan processing preferred.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.