Inside Sales Mortgage Loan Officer

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

This position may be located in Rapid City, SD; Spearfish, SD; or Sturgis, SD.

What’s Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Inside Sales Mortgage Loan Officer will be responsible for originating permanent residential mortgage loans, via the bank's Digital Platform, and participating in related business development activities. This position will support the entire FIB footprint by taking inbound calls and online mortgages inquiries. Additionally, this position is a fast-paced, high volume, leads provided position with a competitive base salary and per unit incentive.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Handles all inquiries and leads from First Interstate Bank (FIB) digital platforms (phone, email, and website) as well as direct branch referrals and self-sourced opportunities.
• Works with clients in a consultative selling approach, learning the applicant's housing goals, needs and time frame and recommending the customer their available loan options.
• Converts leads to full application and submits complete loan application and proper documentation to processing team.
• Sets and maintains realistic expectations with all affected parties; follow the Ability To Repay guidelines as set by FIB and the investor.
• Obtains and analyzes credit reports with an understanding of the data and approval implications; locks in interest rates when the customer requests or approves.
• Manages lead pipeline with new inquiries to ensure department key performance indicator requirements for consistent contact with all parties involved in transaction.
• Understands and navigates within the loan origination system; ensuring full understanding of compliance and meet all requirements.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• As a condition of employment, any successful job applicant will be required to pass a pre-employment screening against the Limited Denial of Participation (LDP), GSA Excluded Party List System (EPLS) and Freddie Mac Exclusionary List.
• Possess strong customer service skills and a thorough understanding of the mortgage process.
• Thorough knowledge of FHA, VA, RD, state bond programs, and conventional real estate regulations.

EDUCATION AND/OR EXPERIENCE

• Bachelor's Degree required
• 4-6 years related experience and/or training; or equivalent combination of education and experience required
• 4-6 years experience in residential mortgage lending to include handling of complex loans preferred

LICENSES AND CERTIFICATIONS

• Valid Driver’s License required

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
• Sitting - Frequently
• Standing - Occasionally
• Noise Level - Moderate
• Typical Work hours - M-F (8-5)
• Regular and Predictable Attendance - Required

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.