Central Bank ยท 2 hours ago
Mortgage Loan Originator
Osage Beach, MO
Full-time
Onsite
Entry, Mid Level
2+ years expCentral Bank is seeking a Mortgage Loan Originator to develop and manage credit relations with individuals seeking residential real estate loans. The role involves actively building relationships with realtors and builders, overseeing a mortgage loan portfolio, and ensuring adherence to lending guidelines while achieving sales and business development goals.
FinanceFinancial Services
Responsibilities
Actively call on prospective customers and referral contacts
Actively develop residential mortgage referrals by developing relationships with realtors, builders, developers and other potential referral sources
Interview loan applicants to develop information concerning their, needs, desire, abilities and earnings to determine whether a loan may be an acceptable risk
Evaluate the financial condition of the client, the value of the proposed collateral, and recommend the terms and conditions of the loan
Make decision on loans and terms if within own lending limits
Ensures optimum profitability balanced with acceptable risk
Responsible for the attainment of loan objectives to include, but not limited to, origination, portfolio management, delinquency, loan losses, fee income, interest income, and return on assets
Actively participate in STEP program; attend appropriate sales and STEP training; utilize STEP program initiatives
Make referrals to other business units for traditional and non-traditional banking products and services
Under the direction of the Mortgage Loan Department Head, establish daily, weekly, monthly, and quarterly business development, sales and referral goals
Develop a marketing plan utilizing effective STEP sales techniques that will generate additional new residential mortgage loans. Maintain personal accountability for sales and service standards and for meeting business development, sales and referral goals
Identify opportunities to deepen our relationship with customers and referral contacts that have a minimal relationship but offer upside potential and aggressively sell to this customer base
Actively call on prospective customers, exploring needs and cross-selling and recommending bank products and services that are in the best interest of the customer and that achieve their financial objectives
Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. Bank Secrecy Act, CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations
Demonstrate the highest level of professionalism, efficiency and customer service when resolving the most difficult customer issues
Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization and communicate this understanding to others when appropriate
Attend all required training
Collect on past due accounts as required including work out situations, and foreclosures
Assist others as needed. May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations
Qualification
Required
Bachelor's degree or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities
Two years of prior mortgage lending origination experience preferred or minimum two years of extensive sales with strong products/services growth
Knowledge of current bank lending procedures and policies (state and federal), lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation
Knowledge of real estate loan support functions, including appraisals, title work, deeds of trust, lien recording, etc
Ability to analyze financial statements and loan risk
Possess good judgment skills
Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks
Thorough knowledge of bank products and services and the skill to solicit business for bank deposit products and loan services
Ability to identify client needs, present banking solutions and bank products
Ability to recognize closing opportunities, retain, and grow customer relationships
Excellent verbal, listening and communication skills
Strong customer relations skills and ability to work with employees and customers in a cooperative manner
Ability and desire to work as part of a team, and with people of diverse backgrounds
Ability to drive a vehicle
Must maintain a current, valid driver's license and an acceptable driving record for bank insurance purposes
Preferred
Two years of prior mortgage lending origination experience preferred or minimum two years of extensive sales with strong products/services growth
Company
Central Bank
Central Bank is a privately held $20 billion bank headquartered in Jefferson City, Missouri. Serving 13 markets in 8 states.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2019-04-10Acquired
1998-07-01IPO
Leadership Team
Bill Ferguson
President and CEO
Marshall Abney
President & CEO
Recent News
Business Wire
2022-03-01
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