Mortgage Loan Originator

Central Bank; Smithville (MO); On-site; USD 50,000 - 70,000; Full time

Job summary

Central Bank is seeking a Loan Officer in Smithville, Missouri. The role involves interviewing applicants, analyzing financial status for loan feasibility, and ensuring compliance with program guidelines. The Loan Officer will provide excellent customer service, manage relationships with business partners, and maintain a positive image within the mortgage operations team. Candidates should possess strong communication skills and knowledge of financial products. This position is pivotal in helping clients navigate the loan process effectively.

Responsibilities

• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions.
• Corresponds with applicant to resolve questions regarding application information.
• Matches Applicant's Needs And Qualifications With Potential Loan Programs.
• Ensures loan meets selected program guidelines.
• Submits loan package to Processor for processing in a timely manner.
• Works closely with loan processor to assure loan is handled timely.
• Informs applicants of loan approval, denial or outstanding conditions.
• Handles correspondence regarding locking of loan and actual locking process.
• Provides excellent customer service and solves customer related problems quickly.
• Maintains and enhances market awareness and develops programs.
• Enhances personal knowledge of products and services related to the position.
• Establishes and maintains positive working relationships with Realtors and business partners.
• Communicates with mortgage operations staff by projecting a positive image.
• Performs other assigned duties.

Job description

Responsibilities

• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions.
• Corresponds with applicant to resolve questions regarding application information.
• Matches Applicant's Needs And Qualifications With Potential Loan Programs.
• Ensures loan meets selected program guidelines.
• Submits loan package to Processor for processing in a timely manner.
• Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Informs applicants of loan approval, denial or outstanding conditions.
• Handles correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
• Provides excellent customer service and solves customer related problems quickly.
• Maintains and enhances 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.
• Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• Establishes and maintains positive working relationships with Realtors, Business Partners and any other potential business sources. Supports and cultivates bank referrals and relationships.
• Communicates with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
• Performs other duties when assigned.