Consumer Direct Loan Originator

CENTRAL BANCOMPANY, INC.•Overland Park, MO

6d•Remote

About The Position

Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies, and procedures. Build and maintain positive relationships with existing and potential customers, referral sources, Realtors, business partners, and other potential business sources. Contact bank-provided leads promptly as directed by a supervisor, support bank referrals, and develop relationships that generate additional mortgage leads. Interview applicants, request appropriate credit documentation and application information, analyze applicants’ financial status, credit, and proposed property transactions, and assess the feasibility of granting loans. Match applicants’ needs and qualifications to loan programs and ensure loans meet program guidelines. Compile upfront compliance information and meet timeline requirements. Answer applicant questions, resolve application-related questions, and inform applicants of approvals, denials, or outstanding conditions. Submit complete loan packages to the Processor promptly and work closely with the loan processor to ensure efficient handling in accordance with company policies and guidelines. Handle correspondence and the loan-locking process according to current company procedures and requirements. Provide excellent customer service and resolve customer problems quickly. Maintain awareness of economic information, housing data, and competitive trends, and help develop programs or recommend product enhancements to address customer needs. Keep knowledge of products, services, applicable laws and regulations, and internal policies and procedures current. Communicate professionally with mortgage operations staff and others in the bank, and perform other duties as assigned. The position can be remote, with a possible hybrid schedule required in the future.

Requirements

High school diploma and commitment to continuing job-related coursework.
Two years of loan originating experience with a proven ability to support a pipeline of 10 or more loan applications per month.
Working knowledge of prequalification principles and practices, or two years of originating experience.
Strong sales skills.
Basic computer knowledge, including Encompass, Microsoft Word, and Excel, and a general understanding of the Internet.
Basic math ability.
Basic accounting or bookkeeping skills.
Ability to use a financial calculator.
Detail-oriented, with the ability to prioritize.
Solid organizational, time-management, problem-solving, and decision-making skills.
Strong written and verbal communication skills.
Ability to work independently and handle multiple priorities under deadline pressures and time restraints.
Commitment to striving for and consistently achieving customer satisfaction.

Responsibilities

Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies, and procedures.
Establish and maintain positive relationships with existing and potential customers.
Contact bank-provided leads promptly as directed by a supervisor and develop referral relationships to generate mortgage leads.
Interview applicants and request appropriate credit documentation and loan application information.
Analyze applicants’ financial status, credit, and proposed property transactions to determine loan feasibility.
Compile upfront compliance information and meet timeline requirements.
Answer applicant questions and resolve questions regarding application information.
Match applicants’ needs and qualifications with potential loan programs and ensure loans meet program guidelines.
Submit loan packages to the Processor in a timely manner and work closely with the loan processor to ensure efficient handling.
Inform applicants of loan approvals, denials, or outstanding conditions.
Handle correspondence regarding loan locking and complete the locking process according to company procedures and requirements.
Provide excellent customer service and resolve customer-related problems quickly.
Maintain awareness of economic information, housing data, and competitive trends; help develop programs or recommend product enhancements to address customer needs.
Maintain knowledge of products, services, applicable laws and regulations, and internal policies and procedures.
Establish and maintain positive working relationships with Realtors, business partners, and other potential business sources; support and cultivate bank referrals and relationships.
Communicate professionally with mortgage operations staff and others in the bank.
Perform other duties when assigned.