Mortgage Associate Loan Officer

Job description

Under supervision, market and originate mortgage loans that meet regulatory and investors guidelines to be sold on the secondary mortgage market. Substantially assist senior or mentor loan officer in providing outstanding customer service to the team’s clients. This job is a fully commissioned position which is often the last step before becoming a stand-alone loan officer.

nPrimary Duties:

nnGather all information necessary for documentation, analysis, disclosure and underwriting loan applications.

nIndependently work to structure loans to ensure compliance to product guidelines.

nIndependently submit through DU/LP and review findings to ensure borrower findings meet guidelines.

nEnter all required information into the mortgage loan origination system and order appraisal.

nProactively work as a salesperson to source and solicit loan applications in a professional and timely manner in line with company standard and procedures.

nIndependently evaluate credit factors and eligibility to ensure application meets guideline requirements.

nProvide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.

nProvide disclosures within regulatory guidelines and provide re-disclosure as required by regulatory guidelines through understanding of TRID requirements.

nProvide all necessary applicant information to processor.

nPrice loans according to guidelines and secure signed lock agreements.

nReview CD and prepare the borrower for closing.

nKeep open line of communication with agents, borrower, processors and closers to provide excellent customer service.

nAssist in developing individual and team marketing plans to expand market share and stimulate loan production.

nMaintain regular customer contact with professional and community organizations to ensure a positive company image.

nStay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage.

nProvide advice and service to applicant requesting mortgage information.

nMake preliminary determination of applicant’s creditworthiness and issue prequalification statement of borrower’s eligibility.

nMaintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.

nSubstantially assist the senior or mentor loan officer in managing new and existing loan volume.

nProvide high level of assistance to internal and external customers in person and on the phone.

nReview all documents for completeness and compliance with investor requirements.

nFollow up on missing documents.

nMaintain comprehensive understanding of the loan origination process and all functions within processing and closing departments.

nKnow by name and face as many customers and employees as possible, calling them by name as often as possible.

nKnow and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.

nKnow, understand, and live the company values and bottom line.

nConduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.

nAll employees are responsible for information security, including compliance with policies and standards which protect sensitive information.

nPrompt and reliable attendance.

nPerform other duties as assigned.

n nJob Skills Required:

nnA. or minimum of three years of mortgage banking, outside sales or related experience.

nFamiliarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA lending, regulatory compliance and investor guidelines.

nAbility to develop individual and team strategic plans to market and develop business contacts.

nAbility to work with limited supervision.

nExcellent customer service skills.

nAbility to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.

nAbility to travel to different branches and to off-site meetings to meet with clients or co-workers.

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Worksite address

overland park, KS, 66213, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.