Consumer Direct Loan Originator

Central-Bank-c44c5195; Olathe (KS); Hybrid; USD 55,000 - 85,000; Full time

Job summary

Central Bank is seeking a Mortgage Loan Originator to originate real estate loans in accordance with federal guidelines and bank policies. You will build relationships with customers, Realtors, and referral partners, interview applicants, assess credit, and coordinate with processors to deliver timely loan decisions.

Responsibilities include maintaining a steady pipeline (10+ loans/month), analyzing financials, and communicating clearly with applicants; there is flexibility for remote work with

Qualifications

• High School Diploma required; track record in loan origination preferred.
• Ability to support a pipeline of 10+ loan applications per month.
• Strong prequalification principles knowledge or two years of originating experience.
• Solid sales skills and customer-focused approach.
• Proficient in basic computer tasks (Encompass, Word, Excel).

Responsibilities

• Originate real estate loans following federal guidelines and lending objectives.
• Establish and maintain relationships with existing and potential customers.
• Contact leads and referral sources to generate mortgage business.
• Interview applicants, collect credit documentation and information for applications.
• Analyze financial status and property details to determine loan feasibility.
• Coordinate with processors to ensure timely loan processing and underwriting.
• Inform applicants of approval, denial, or conditions and resolve inquiries.
• Maintain market awareness and suggest product enhancements to meet customer needs.
• Work in a hybrid remote/on-site schedule as directed.

Skills

Sales skills

Written & verbal communication

Detail oriented

Time management

Independent worker

Education

High School Diploma

Tools

Encompass

Microsoft Word

Excel

Internet

Job description

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 within a timely manner and as directed by supervisor, and also promotes and develops relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate additional mortgage leads.

Interview applicants and request appropriate credit documentation and specified information for loan application.

Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.

Compile upfront compliance information and assure timeline requirements are met.

Answer applicant questions. Correspond with applicant to resolve questions regarding application information.

Match applicant's needs and qualifications with potential loan programs. Ensure loan meets selected program guidelines.

Submit loan package to Processor for processing in a timely manner.

Work closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.

Inform applicants of loan approval, denial or outstanding conditions.

Handle correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.

Provide excellent customer service and solves customer related problems quickly.

Maintain and enhance market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.

Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.

Establish and maintain positive working relationships with Realtors, Business Partners and any other potential business sources.

Support and cultivate bank referrals and relationships.

Communicate with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.

Perform other duties when assigned.

NOTE: Position can work remote with possible hybrid schedule required in the future

Requirements

High School Diploma and commitment to continuing job related course work.

Two (2) years of loan originating with proven ability to support a pipeline of 10+ loan applications per month.

Working knowledge of prequalification principles and practices OR two (2) 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.

Ability to use a financial calculator.

Must be detail oriented; have the ability to prioritize.

Possess solid organizational and time management skills; and have solid problem solving and decision making skills.

Solid written and verbal communication skills are a must.

Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.

Must strive for and consistently achieve customer satisfaction.

Position Type

Full Time - Regular

Location

69 Highway

Work Hours

Monday - Friday 8:00am - 5:00pm

Standard Hours

40

Work Location Options

Hybrid

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