Retail Mortgage Loan Originator

3 months ago

Kansas City, United States First Federal Bank Full time

Location:Corporate Office - Kansas City, MO**First Federal Bank exists to help people build a better financial future, and for almost a century, our team has focused on home ownership and prosperity for all. When you join the First Federal family, youll be supported by a diverse, talented, energetic group of individuals who strive to help you and our customers achieve financial wellness. When our employees feel valued, our customers feel valued, and our community grows. We are Better. Together.**

Listen to what our employees had to say about working with First Federal Bank of Kansas City

**SUMMARY**

The primary role of the Mortgage Loan Officer is to establish and support relationships with Realtors, Builders, and various Affinity Partners that we engage in business, to fulfill our mission of building a better financial future for those we serve by understanding each individuals need so they can secure a mortgage loan that is appropriate for their individual financial circumstances and achieve their homeownership goals. **ESSENTIAL DUTIES AND RESPONSIBILITIES** include the following. Other duties may be assigned as required. * Responsible for promotion of the Mission, Vision and Values of First Federal Bank of Kansas City.

* Responsible for developing and maintaining relationships with realtors, builders (including New Home Sales Professionals), and other affinity partners in order to develop and retain existing business opportunities.

* Responsible for cross-promotion of all First Federal Banks products and services (including, but not limited to Retail Banking products).

* Responsible for monitoring overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to credit counseling to and pre-qualifying potential home buyers.

* Responsible for the origination of mortgage loan applications in accordance with the Banks goals and objectives. Meets loan origination goals as agreed.

* Responsible for knowing details of affordable housing products, including MHDC, HEDFC, FHLBank, KSAP, FHA, USDA, FNMA Home Ready and FNMA My Community Mortgage programs, and any other such programs to benefit borrowers in acquiring affordable housing.

* Loan origination includes, but is not limited to the screening and obtaining of support documentation and the submitting of loan applications for review and processing.

* Develops leads on potential loan sources for business development and loan solicitation purposes.

* Takes loan applications, collects sufficient financial and personal data from borrowers to enable First Federal Bank underwriters to make informed decisions as to the borrower's qualifications.

* Assists with follow-up in the processing of approved loans.

* Responsible for promotion and delivery of quality internal and external customer service. Provides Quality Customer Service by answering customer inquiries regarding loans and delivers prompt communication at all stages of the loan process to all parties involved.

* Reports on business calls and completes other required reports.

* Participates in civic organizations and activities to increase public's knowledge of First Federal and our services.

* Complies with all applicable banking laws and regulations, including, but not limited to, the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes; and, federal consumer protection legislation and regulations.

**SUPERVISION**

This job has no supervisory responsibilities. **QUALIFICATIONS**

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. **EDUCATION and/or EXPERIENCE**

* High school diploma or general education degree (GED) required.

* Must have a minimum of 2 years of successful home mortgage origination experience including the taking of applications and proven follow through.

* Requires knowledge of current FNMA/FHLMC/GNMA underwriting guidelines.

* Prior business development experience preferred.

**LANGUAGE SKILLS**

* Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

* Ability to write reports, business correspondence, and procedure manuals.

* Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

* This role requires the individual to be bilingual in English and Spanish.

**MATHEMATICAL SKILLS**

* Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.

* Ability to apply concepts.

**REASONING ABILITY**

* Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.

* Ability to deal with problems involving several concrete variables in standardized situations.

**CERTIFICATES, LICENSES, REGISTRATIONS**

NMLS Registration

**OTHER SKILLS AND ABILITIES**

PC experience required, preferably loan processing software.

**PHYSICAL DEMANDS**

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; and talk or hear. Specific vision abilities required by this job include close vision, distance vision, and depth perception.

**WORK ENVIRONMENT**

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

**First Federal Bank is committed to providing equal employment opportunities to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity, or any other legally protected category.**

**A note to applicants:** First Federal Bank of Kansas City is closely monitoring the spread of the coronavirus to protect our employees and our organization as a whole. We are hiring, but many of our internal and external job interviews are taking place through video and/or phone alternatives. If contacted for an interview, we will be happy to share more with you about the steps we are taking to limit the spread of the virus.

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