Real Estate Loan Originator - Bozeman Kagy
Stockman Bank - Bozeman, MT

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Position General Responsibilities:
Develop residential real estate loans. Support in Home Equity area and Credit Line when appropriate. Represents the Bank in community activities.

Basic Qualifications:
Strong commitment to providing exceptional customer service.

Minimum 1-3 years in Real Estate Lending/Originating

Knowledge of secondary markets and packaging of real estate loans.

Have strong group of local contacts for business development.

Four years of post-secondary education or equivalent combination of education and experience.

Strong communication and organizational skills

Dimension of Job:
Handle the origination, recommendations and processing for real estate loans and development of new business.

Position Specific Responsibilities, Duties and Competencies

1. Real Estate Lending Functions:
Originates, recommends and begins processing of residential real estate (FHA, VA, secondary market conventional and portfolio) requests. Possesses the necessary underwriting skills to determine eligibility of applicants to qualify for conventional FNA/VA loan programs.

Detailed knowledge of secondary markets for real estate loans.

Detailed knowledge of various other loan programs for the Bank’s portfolio, including construction loans.

2. Real Estate Underwriting, Sales, Funding & Processing:
On-going assessment of the Bozeman Real Estate Market to create an effective and competitive market.

Communication with the Processing Center to provide the necessary tools to compete in the Bozeman market.

Work in conjunction with the President, Marketing Officer and Consumer Loan Officer to develop and implement effective retail marketing programs.

3. New Business Development/Sales/Public Relations:
Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic.

Greet all customers pleasantly and make them feel welcome and comfortable.

Handle transactions quickly and professionally.

Effectively handle customer questions and problems.

Generate profitable new business for the Bank with overall responsibilities for the real estate department, including borrowing and depositor relationships.

Maintain business relationship with contacts within the community, which can provide leads on other potential business for the Bank.

Regular interaction with Realtors and other retail customers involved in real estate and consumer activities.

Cross-selling of other Bank products to real estate and consumer loan department customers, including life insurance and other fee income services.

Participation in community events and organizations.

4. Department:
Other duties related to the Retail Loan Department.

Limited Back-up for Commercial Lending and other functions.

5. Federal Regulations:
Maintain a working knowledge of Bank's written policies and procedures that apply to and concern this position’s area of responsibility, including general regulations such as the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and various other Federal and State regulations as they apply.

Physical and Mental Demands (The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

Occasionally = 0-33% of shift Frequently = 34-66% of shift Constantly = 67-100% of shift

Constant lifting/carrying up to 10 lbs. with frequent lifting/carrying up to 25 lbs. Constantly required to hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with needed ability for task management flexibility and to perform routine duties with attention for details. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.

Constantly stand, walk or sit, while requiring oral and written communications with co-workers, customers and transactions with guidance available.

Occasionally stoop, kneel, crouch or crawl.

Infrequently climb (up ladders, etc.), balance (to reach items) or drive a car.

Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment (The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

Constantly works with others, around others, with co-workers in other departments or branches and with customers and the general public in person and via telephone. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.

Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and customers while hearing machines, conversations of others, music, phones etc., in a confined area.

Infrequently the employee works alone and also works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.

Company Functions and Expectations:
Technical Knowledge

Has the technical knowledge and analytical skills to fulfill job duties in a positive manner. Keeps abreast of new and changing developments in industry/field especially as it pertains to the individual’s position. Has the ability to analyze situations and react accordingly.


Expresses information/thoughts clearly and concisely in both written and verbal forms. Keeps communication channels open with subordinates and supervisors. Responds promptly to calls or inquiries in a courteous and professional manner. Communication is effective and efficient.


Establishes priorities, sets goals and meets deadlines in an accurate and efficient manner. Organizes overall workflow and working area. Quickly identifies problems, makes timely decisions and notifies affected personnel. Plans effectively to ensure timely completion of duties.

Team Work/Professionalism

Is willing to assist others to ensure deadlines are met. Provides assistance to less experienced personnel when needed. Informs appropriate personnel of significant issues in a timely manner. Works well in group environment and with supervisor. Models professionalism by addressing others with appropriate actions and appearance within professional boundaries.

Customer Service Culture

Employees will strive for outstanding, professional and courteous service to our customers and anyone who visits our facility.


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