First Federal Banking
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Retail Mortgage Loan Originator
at First Federal Banking
|Title:||Retail Mortgage Loan Originator|
|Location:||Corporate Office - Kansas City, MO|
Join the family of First Federal Bank of Kansas City and be a part of changing the banking industry where customers are cared for and treated like part of the family. We believe in taking care of our employees so they in turn are compelled to deliver the utmost customer service.
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 Bank’s 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.
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..
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.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts.
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
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.