Consumer Direct Loan Originator

Central Bancompany•Overland Park, KS

5d•Remote

About The Position

The Consumer Direct Loan Originator originates real estate loans in accordance with federal guidelines and established lending objectives, policies, and procedures. The role builds and maintains relationships with customers and referral sources, including realtors, builders, attorneys, and other business partners, and supports bank referrals to generate mortgage leads. The position interviews applicants, gathers credit documentation and loan application information, assesses applicants’ financial status, credit, and proposed transactions, and matches applicants with suitable loan programs. It compiles upfront compliance information, ensures timelines and program guidelines are met, submits loan packages to processors, and works with loan processors to move applications through the process efficiently. The originator communicates loan decisions and outstanding conditions, handles applicant questions and loan-locking processes, and provides responsive customer service. The role also maintains awareness of market and competitive trends, keeps current on products, services, laws, regulations, and internal procedures, and communicates professionally with mortgage operations staff and other bank employees. The position may 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, Excel, and a general understanding of the Internet.
Basic math ability, basic accounting or bookkeeping skills, and ability to use a financial calculator.
Detail-oriented, with the ability to prioritize.
Solid organizational and time-management skills, problem-solving skills, 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 with realtors, builders, attorneys, and other affinity groups.
Interview applicants and request appropriate credit documentation and information for loan applications.
Analyze applicants’ financial status, credit, and proposed property transactions to assess loan feasibility.
Compile upfront compliance information and ensure timeline requirements are met.
Answer applicant questions and correspond with applicants to resolve questions about application information.
Match applicants’ needs and qualifications with potential loan programs and ensure loans meet the selected program guidelines.
Submit loan packages to processors in a timely manner and work with processors to ensure efficient handling under company policies and guidelines.
Inform applicants of loan approvals, denials, or outstanding conditions.
Handle correspondence and the loan-locking process in accordance with current company procedures and requirements.
Provide excellent customer service and resolve customer-related problems quickly.
Maintain awareness of economic information, housing data, and competitive trends, and help develop programs or recommend product enhancements based on customer needs.
Maintain knowledge of products, services, applicable laws and regulations, and internal policies and procedures.
Establish and maintain 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 throughout the bank.
Perform other duties when assigned.