Union State Bank - Kansas/Oklahoma · 2 months ago
Mortgage Lender
Winfield, KS
Full-time
Onsite
Mid Level
3+ years expUnion State Bank is a financial institution operating in Kansas and Oklahoma, seeking a Mortgage Lender. This role involves obtaining loan applications, structuring and closing real estate loans, and providing exceptional service while promoting bank products and services in the community.
BankingFinancial ServicesLending
Responsibilities
Sources mortgage leads and builds a mortgage business network by establishing relationships with realtors, builders, and developers
Refers conventional and government residential mortgages to the secondary market division
Participates in related business development activities
Acts as the primary point of contact between the borrower and the Bank on mortgage originations
Interviews applicants to gather information concerning their needs to assist in determining whether a loan will be acceptable risk
Structures loan financing for in-house real estate loans based on risk considerations
Communicates with other professionals, including attorneys, county clerks, and title companies, as necessary to facilitate the processing/closing of loans
Negotiates terms and conditions with applicants. Ensures the preparation and processing of forms and legal documents required for residential loans follow those terms
Responsible for initiating rate locks, collecting up-front fees, obtaining credit bureau, performing desk-top underwriting, etc
Responsible for explaining loan options and products to applicants, including disclosing terms, conditions, and explaining disclosures, etc
Ensures appropriate underwriting standards are followed
Ensures that approval falls within the established lending guidelines
Reviews loan closing documents for accuracy to facility timely loan closing
Manages and understands collateral perfection processes such as UCC and mortgage filings
Maximizes bank profitability through appropriate pricing of new loan originations and fee income
Refers new deposit and treasury relationships to appropriate staff members
Sells additional bank services to existing and prospective clients
Meets with prospects and customers in locations others than their primary office or personal residence, such as open houses, realtor and home builder events, seminars, etc
Communicates suspected fraud and or discrepancies to the department manager and/or fraud department as applicable
Recognizes and maintains adherence to compliance with all banking regulations and laws, including those for consumer protection and the BSA/AML Program
Supports the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge. Stays up to date on local trends and developments in the real estate market, as well as changing rules and regulations pertaining to both conventional and government-insured mortgages
Originates loans that meet minimum production levels
Provides support to other team members as assigned by the Market President
Understands and complies with Federal, State and Union State Bank rules, policies, and regulations
Performs other duties as may be required or assigned
Qualification
Required
Bachelor's degree from a four-year college or university, or three to five years of related work experience; or equivalent combination of education and experience required
Compliance with the SAFE Act Registration with the Nationwide Mortgage Licensing System & Registry (NMLS Registry) required upon hire
Good standing with the NMLS Registry must be maintained
Valid driver's license is required to travel to meet with prospects and customers
Ability to communicate, written and verbal, effectively with people both internally and externally
High degree of accuracy and attention to detail with the ability to handle multiple tasks and meet deadlines
Ability to identify and resolve problems
Organizational and time management skills
Ability to work with all levels within the organization
Basic computer skills to include proficiency in Microsoft Office products
Able to handle confidential information and positively represent the company
Communication, approachability, tax return analysis, financial statement analysis, high attention to detail, problem solving and critical thinking
Preferred
Financial services industry experience
Benefits
Life Insurance
Disability Insurance
ESOP
Tuition assistance
401(k)
Dental insurance
Health insurance
Paid time off
Vision insurance
Company
Union State Bank - Kansas/Oklahoma
With approximately $700 million in total assets and twelve locations, Union State Bank serves South Central Kansas and North Central Oklahoma with comprehensive banking solutions and expertise.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Eric Kurtz
President/CEO
Company data provided by crunchbase