Peoples Bank Mortgage Loan Representative

Mortgage Loan Representative

Whatcom or Skagit County

Training will be onsite at Barkley Financial Center

Monday Friday 8:00 am to 5:00 pm 40 hours per week

A Day in Your Life at Peoples Bank:

As a Mortgage Loan Representative youll play a key role in helping individuals and families achieve their homeownership goals. This is an excellent opportunity for someone with lending experience to take the next step toward becoming a Mortgage Loan Officer. Youll be responsible for originating residential real estate and digital consumer loans while building strong relationships with internal and external business partners. Your efforts will support the Banks growth by driving business development and delivering exceptional service to our clients.

Your Primary Responsibilities Would Include:

• Responding to customer inquiries and internal referrals regarding 14 family residential and portfolio real estate loans providing knowledgeable and timely support.
• Developing and nurturing referral relationships within the community and across the Bank to attract new mortgage loan applications. This includes making proactive sales calls to prospective business partners.
• Conducting applicant interviews to assess financial eligibility by reviewing applications and supporting documentation. Youll work closely with Senior Mortgage Loan Officers and Mortgage Management for guidance training and mentorship.
• Managing your loan pipeline actively ensuring compliance with regulatory requirements and delivering timely smooth closings for customers.
• Representing the Peoples Bank brand by participating in community events and public relations activities. Youll seek opportunities to educate others about the Banks products and services and build lasting relationships with current and potential customers.
• Researching loan products and investors to identify the best solutions tailored to each customers needs.
• Ensuring accurate documentation and compliance with Bank policies government regulations and secondary market guidelines.
• Preparing high-quality loan packages for processing and underwriting ensuring completeness and accuracy.
• Collaborating with underwriters to resolve guideline interpretations and facilitate efficient loan approvals.
• Supporting the Banks Community Reinvestment Act (CRA) Program by identifying opportunities to meet local credit needs and contribute to community development.
• Staying current and compliant with all applicable Federal and State lending regulations.

What You Bring to the Team:

• A high school diploma G.E.D. or equivalent.
• At least 2 years of experience in consumer or mortgage lending banking or a related field.
• Registration with the National Mortgage Licensing System and Registry along with an active NMLS number. (If you dont have one yet well guide you through the process and cover the fees.)
• Proven ability to develop and maintain strong business relationships with a focus on growth and community engagement.
• A strong commitment to delivering exceptional customer service.
• Proficiency in Microsoft Office and comfort using digital tools.
• Strong analytical and problem-solving skills with the ability to work independently and make sound decisions.
• Excellent interpersonal skills professional etiquette and a service-oriented mindset.
• Clear and confident communication skillsboth written and verbal.
• A high level of professionalism and a strong sense of confidentiality.
• Willingness and ability to drive to other Peoples Bank locations for meetings and training as well as customer sites and community events as needed.
• An ability and commitment to model the Peoples Bank Mission Vision and Valuesand a desire to contribute to a purpose-driven team.

This position description is not intended to cover or contain a comprehensive list of all functions duties or responsibilities that are required in this position. Functions duties or responsibilities are subject to change at any time with or without notice.

*For a comprehensive job description please contact HR department at

The Banks Commitment to You:

We ensure that YOU are provided with dedicated tailored support from our existing team. We admire your passion for growth and self-fulfillment so we offer engaging professional development and career advancement addition you will be working with a widely supportive HR team with a wealth of knowledge across a variety of areas.

For over 100 years Peoples Banks philosophy of People First has created an unwavering commitment to our employees customer and local communities. Our purpose is to serve our communities with honesty integrity respect and commitment and our promise A Higher Level of Service always starts and ends with people. We strive to be the Best Community Bank in the Pacific Northwest and that endeavor includes being the Best Employer in the Pacific Northwest.

Our Employees Enjoy Generous Benefits:

• We are proud to offer hybrid work from home options for most non-customer facing positions.
• We share our success with you through Profit Sharing Incentives and other Bonus Structures based on your position.
• We enjoy a healthy work/life balance by offering 12 days of paid vacation 2 paid wellness days 2 days of paid community service time as well as paid sick leave that is accrued based on hours worked. Our employees will also enjoy 11 paid holidays throughout the calendar year.
• We understand that wellness needs can look different for everybody so we provide a full suite of Health benefits to employees and their families that includes Medical Dental and Vision Insurance Mental Health Resources and a $200 annual reimbursement for wellness related expenses.
• We invest in your financial security by providing an 8% 401(k) employer match and safety net of life and disability plans.

We Offer Competitive Compensation:

Salary Range in Skagit and Whatcom County

Minimum to Maximum

$50000 to $80.000 annually

In addition you will receive commissions.

EEO Statement(s):

At Peoples Bank we know we are better together. We are dedicated to crafting a workplace that reflects the different backgrounds and perspectives of our communities customers and employees. If youre excited about the job we encourage you to apply all experiences are welcome. Peoples Bank is proud to be an equal opportunity workplace and affirmative action employer.