Loan Officer

KBHS Home Loans; Tucson (AZ); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

401(k)

Vacation benefits

Medical insurance

Dental insurance

Vision insurance

Disability benefits

Flexible spending

Life insurance

Paid time off

Well-being program

Job summary

KBHS Home Loans is seeking a Mortgage Loan Originator in the Tucson area to guide new KB Home buyers through the loan process, from pre-qualification to closing, while partnering with the sales team in builder communities for new construction projects.

The role requires NMLS and 2+ years of MLO experience, with knowledge of Conventional/FHA/VA loans and TRID compliance. Strong communication and multitasking are essential for success in a high-volume environment.

Qualifications

• NMLS number required with at least two years of Mortgage Loan Originator experience.
• Conventional, FHA, and VA loan knowledge; TRID compliance experience preferred.
• Must be detail-oriented, organized, and able to work under pressure.
• Excellent verbal and written interpersonal communication skills.

Responsibilities

• Spend time in builder communities to earn business by contacting customers.
• Provide weekend support in builder communities and at grand openings.
• Present loan products at Sales Meetings and with Sales staff.
• Meet weekly with Branch Manager to review goals vs results.
• Market KBHS products to potential business sources for loan origination.
• Represent KBHS professionally at industry events.
• Manage daily pipeline from pre-qualification to funding.
• Coordinate with Fulfillment Center on loan progress.

Skills

High volume productivity

Excellent communication

Self-motivated

Team player

Job description

Mortgage Loan Originator – KBHS Home Loans

KBHS exclusively serves the customers of one of the nation’s Top Five Residential Builders - KB Home. Powered by nationally ranked Guaranteed Rate, this provides our Mortgage Loan Originators with unique opportunities to establish relationships with new construction buyers. If your career satisfaction is based on providing world-class service to your borrowers - including more time to build solid relationships - you’ve come to the right place.

Employees are eligible to receive a base pay of an hourly minimum wage of $14.70-17.85 (as dependent on applicable state and federal law), as well as commissions through a competitive compensation structure. Earning potential $150,000+.

As a KBHS Mortgage Loan Originator (“MLO”), you will assume full responsibility to guide new KB Home purchasers through the loan process from pre-qualification, application, loan approval, and loan closing. You will pre-qualified prospective KB Home buyers introduced by a KB credit portal, review financing options, and assist credit challenged purchasers, as needed. You will serve as the primary point of contact for homebuyers throughout the home buying process for assigned communities. Establishing and maintaining a partnership with the KB Home sales team is vital to the success of the MLO in this role. Strong interpersonal and communication skills, coupled with product knowledge and a sense of urgency are all requisites for the role. The ability to communicate clearly and effectively; both verbally and in writing, across a variety of audiences is essential. Minimum of 2+ years MLO experience a must, builder background preferred, and strong purchase product knowledge around conventional, FHA, and VA financing options. We would like this role to have some management background.

Essential Duties and Responsibilities

• Spend adequate time in builder communities earning the business by reaching out to 100% of the customers.
• Provide weekend support in builder communities and grand opening functions.
• Make presentations on loan products in Sales Meetings and with Sales staff in builder communities.
• Meet with the Branch Manager on a weekly basis to review the goal metrics plan vs. results.
• Responsible for marketing KBHS products and services to potential business sources for the purpose of loan origination.
• Represent KBHS in a professional manner at industry-related functions.

Initial Loan Application:

• Daily focus and discipline around reaching out to 100% of KB prospects and securing a complete loan application within 5 days of KB Home contract.
• Manage loan-level dispositions reflecting the progress on the pipeline.
• Review all documentation provided by the borrower, check for accuracy, and address any discrepancies.
• Conversation Log must clearly note the status of any required documentation not included in the file.
• Achieve GOLD cert loan status within 30 days of KB Home contract on 90% of pipeline.

Other Duties:

• Daily Pipeline Management (pre-qualification to funding).
• Regular status of the progress on the loan through collaboration with the Fulfillment Center.
• Quality Control - be familiar and comply with all KBHS policies and procedures.
• Weekly customer contact on the pipeline.

Desired Skills, Experience, or Education:

• Demonstrate high volume productivity.
• NMLS Number required with at least two years’ experience as a Mortgage Loan Originator.
• Minimum requirements are Conventional, FHA, and VA Closing/funding experience - bond experience a plus. TRID experience is a must.
• Must be detail-oriented, organized, and work efficiently under pressure.
• Ability to multi-task, as well as work efficiently and effectively within required deadlines.
• Reviewing files for completeness and adherence of fees and compliance with TRID regulation.
• Excellent verbal, written, and interpersonal communication skills.
• Ability to learn quickly and apply that knowledge, along with the ability to work in a team environment.
• Work independently and be "self-motivated".
• Demonstrate an OUTSTANDING level of customer service skills.

The Company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; disability benefits; flexible benefits (e.g., healthcare and/or dependent care flexible spending accounts); life insurance and death benefits; certain time off and leave of absence benefits; and well-being benefits (e.g., employee assistance program).

KBHS Home Loans, LLC is a powered by Guaranteed Rate.

KBHS Home Loans, LLC is powered by Guaranteed Rate.