Mortgage Loan Originator

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

Benefits offered by this job

401(k) plan

Medical, dental, vision benefits

Vacation benefits

Job summary

KBHS Home Loans, LLC is seeking a Mortgage Loan Originator to guide KB Home buyers through the loan process from pre-qualification to closing. You will collaborate with the sales team, pre-qualify buyers, and help clients choose the best financing options, including conventional, FHA, and VA.

The role emphasizes high-volume performance, strong communication, and an ability to manage a robust pipeline across builder communities in Tucson, AZ.

Qualifications

• Minimum of 2+ years MLO experience
• Builder background preferred
• TRID experience is a must
• FHA and VA financing knowledge helpful
• Strong interpersonal and written communication skills

Responsibilities

• Guide KB Home purchasers through the loan process from pre-qualification to closing
• Pre-qualify prospective buyers and review financing options
• Collaborate with KB Home sales team and fulfill documentation requirements
• Maintain pipeline and provide weekly status updates with Branch Manager
• Market KBHS products to potential sources and represent KBHS professionally

Job description

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.

Earning potential $150,000+

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.

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.