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Bell Bank · 1 month ago

Mortgage Associate Loan Officer

Overland Park, KS, 66210, United States

Full-time

Onsite

Entry Level

3+ years exp

Bell Bank is a financial institution seeking a Mortgage Associate Loan Officer. In this role, you will market and originate mortgage loans while assisting senior loan officers in delivering exceptional customer service.

BankingFinanceFinancial Services

Responsibilities

Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications

Independently work to structure loans to ensure compliance to product guidelines

Independently submit through DU/LP and review findings to ensure borrower findings meet guidelines

Enter all required information into the mortgage loan origination system and order appraisal

Proactively work as a salesperson to source and solicit loan applications in a professional and timely manner in line with company standard and procedures

Independently evaluate credit factors and eligibility to ensure application meets guideline requirements

Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered

Provide disclosures within regulatory guidelines and provide re-disclosure as required by regulatory guidelines through understanding of TRID requirements

Provide all necessary applicant information to processor

Price loans according to guidelines and secure signed lock agreements

Review CD and prepare the borrower for closing

Keep open line of communication with agents, borrower, processors and closers to provide excellent customer service

Assist in developing individual and team marketing plans to expand market share and stimulate loan production

Maintain regular customer contact with professional and community organizations to ensure a positive company image

Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage

Provide advice and service to applicant requesting mortgage information

Make preliminary determination of applicant’s creditworthiness and issue prequalification statement of borrower’s eligibility

Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management

Substantially assist the senior or mentor loan officer in managing new and existing loan volume

Provide high level of assistance to internal and external customers in person and on the phone

Review all documents for completeness and compliance with investor requirements

Follow up on missing documents

Maintain comprehensive understanding of the loan origination process and all functions within processing and closing departments

Know by name and face as many customers and employees as possible, calling them by name as often as possible

Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards

Know, understand, and live the company values and bottom line

Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations

All employees are responsible for information security, including compliance with policies and standards which protect sensitive information

Prompt and reliable attendance

Perform other duties as assigned

Qualification

Mortgage banking experienceRegulatory compliance knowledgeFNMA/FHLMC/HUD/VA lendingSales skillsCustomer service skillsStrategic planningWork under stressWork independently