Mortgage Lender
Full Time • Winfield, KS
Responsive recruiter
Benefits:
- Life Insurance
- Disability Insurance
- ESOP
- 401(k)
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Position Title: Mortgage Lender
Reports To: Market President
Status: Salary; Non-Exempt
Position Summary: This position is responsible for obtaining loan applications through internal and external referrals and from prospective borrowers by developing leads from real estate brokers and agents, home builders, title companies, etc. This position is responsible for structuring and closing real estate loans as well as developing new business. The position is responsible for originating conventional and government residential mortgage loans to customers who qualify based on assessment of financial and credit data. This position will provide exceptional service, timely assistance and promote the cross-selling of Bank products and services whenever possible. Represents the Bank in local community with the highest degree of professionalism and integrity through active involvement in community affairs and participates in marketing all the Bank’s products and services.
Principal Responsibilities and Duties:
- Source mortgage leads and build mortgage business network by establishing relationships with realtors, builders, and developers.
- Originate conventional and government residential mortgages and participate in related business development activities.
- Act as the primary point of contact between the borrower and the Bank on mortgage originations.
- Interview applicants to gather information concerning their needs to assist in determining whether a loan will be acceptable risk.
- Structure loan financing based on risk considerations.
- Communicate with other professionals, including attorneys, county clerks and title companies, as necessary to facility the processing/closing of loans.
- Negotiate terms and conditions with applicants. Ensure the preparation and processing of forms and legal documents required for residential loans follows those terms.
- Responsible for initiating rate locks, collecting up-front fees, obtaining credit bureau, performing desk- top underwriting, etc.
- Responsible for explaining loan options and products to applicants, including disclosing terms, conditions, and explaining disclosures, etc.
- Ensure appropriate underwriting standards are followed.
- Ensure that approval falls within the established lending guidelines.
- Review loan closing documents for accuracy to facility timely loan closing.
- Manage and understand collateral perfection processes such as UCC and mortgage filings.
- Maximize bank profitability through appropriate pricing of new loan originations and fee income.
- Meet with prospects and customers in locations others than their primary office or personal residence, such as open houses, realtor and home builder events, seminars, etc.
- Communicate suspected fraud and or discrepancies to the department manager and/or fraud department as applicable.
- Recognize and maintain adherence to compliance with all banking regulations and laws, including those for consumer protection and the BSA/AML Program.
- Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge. Stay up to date on local trends and developments in the real estate market, as well as changing rules and regulations pertaining to both conventional and government-insured mortgages.
- Originate loans that meet minimum production levels.
- Provide support to other team members as assigned by Department Head.
- Understand and comply with Federal, State and Union State Bank rules, policies, and regulations.
- Perform other duties as may be required or assigned.
Supervisor Responsibilities: N/A
Education and Experience Requirements: Bachelor’s degree from a four-year college or university, or three to five years of related work experience; or equivalent combination of education and experience required. Financial services industry experience preferred. This position requires compliance with the SAFE Act Registration with the Nationwide Mortgage Licensing System & Registry (NMLS Registry) required upon hire. Good standing with the NMLS Registry must be maintained. Valid driver’s license is required to travel to meet with prospects and customers.
Specific Skills Required: Ability to communicate, written and verbal, effectively with people both internally and externally. High degree of accuracy and attention to detail with the ability to handle multiple tasks and meet deadlines. Ability to identify and resolve problems. Organizational and time management skills. Ability to work with all levels within the organization. Basic computer skills to include proficiency in Microsoft Office products. Able to handle confidential information and positively represent the company.
Competencies: Communication, approachability, high attention to detail, problem solving and critical thinking.
System Accesses: Fiserv Precision, LaserPro, Encompass, Microsoft Office Suite, etc.
Equipment Used: Office equipment which includes computer, imaging scanner, multi-line phone system, multi-function unit, etc.
Working Conditions: Work is performed in an office environment. Prolonged (90%) sitting and periodic (less than 10% of the time) physical exertion to manually move, lift, carry or push heavy objects or materials weighing up to 50 pounds; Constant and repetitive use of arms and hands below shoulder level for computer usage; This position required the individual to perform normal office activities including, but not limited to, lifting, filing, and retrieving, operating office equipment, etc. Travel to other locations will be required.
This job description describes the general nature and level of work performed by the employee assigned to this position. Responsibilities and duties describe those functions considered essential to the performance of the job. This description does not state or imply that these are the only duties and responsibilities assigned to the job. The employee may be required to perform other job-related duties as requested by their supervisor. All requirements are subject to change over time, at the discretion of your supervisor, and to possible modification to reasonably accommodate individuals with a disability.
Union State Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender, identity, age, disability, or status as a protected veteran.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Union State Bank's motto "Built for Better Banking" is not just a tag line, but how we feel about our staff. In order for us to be a strong partner in our community, the partnership between the bank and our employees is extremely important. Our employees are the key to our success. Performance is both expected and rewarded - as is accountability, results, teamwork, integrity, and respect for others.
Union State Bank offers an excellent working environment and benefit package along with a competitive salary to coincide with proven skills for both full-time and part-time employees. Full-time employees are offered the following benefits:
· ESOP (Employee Stock Ownership Plan)
· Paid Holiday, Personal, Sick and Vacation days
· Health/Dental Insurance
· Company paid Life Insurance
· Company paid Long Term Disability Insurance
· Flexible Spending Plan
· 401(K) Plan
· Profit Sharing Plan
Applicants have rights under State and Federal Employment Laws
Applicants have rights under State and Federal Employment Laws
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