Job description

Farmers Bank of Kansas City, part of a 115 Year Old Family Community Bank,is looking for a full-time Mortgage Loan Officer in our growing Mortgage Banking Department. This position will be a multi-faceted approach and is both an inside and outside sales position.

Our Mortgage Loan Officers build their business portfolio through several avenues:

• Bringing your own book of business relationships in the local area.
• Servicing the needs of our bank customers, our deposit base as well as our commercial partners.
• Cultivate new referral relationships within our footprint in the Kansas City Metro Area.
• Partner with our Commercial Lending Team to help build new relationships/referral business.
• Bank provided inbound Consumer Direct leads from customers requesting loans from our National Digital Loan Platform.

Other position perks include:

• Real Estate leads provided. Build a nationwide network of real estate agents for your book of business.
• Bring your own business relationships to Farmers Bank.
• Work with our Commercial Loan Team to service our large Home Builder Construction partners for permanent financing opportunities.
• Full suite of Bank products and services.
• Some of the nation’s most aggressive rates and LTV for all available property types.
• Help build our local branch with other product incentives for our full service operation.
• Marketing Department dedicated to providing you with materials to build your business.

This is an excellent opportunity for a Mortgage Loan Officer that already has a portfolio of clients but is also looking to expand their book of business. We look for self-starters with a positive attitude, and a strong attention to detail. The successful candidate will have exceptional communication skills, a commitment to quality, and a desire to help others.

Job Responsibilities Include:

• Provides exceptional customer service to internal and external customers.
• Manages loan portfolio, to include on-going communication and follow-up with customers.
• Interviews prospective applicants and requests required information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information; assures proper loan information is collected to maintain acceptable credit standards and conform to bank policy.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; approves loans within established lending guidelines.
• Coordinates processing of approved loans; ensures loans are processed according to agreements, customer needs, and Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within assigned portfolio.
• Maintains database and monitors performance of loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Negotiates terms and structures loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Conducts business development and customer retention officer calls.
• Develops new loan business by developing relationships with prospective customers, identifying needs, recommending solutions, and closing sales.
• Follows regulatory requirements by protecting information for privacy and confidentiality, displaying discretion in discussing customer information, obtaining proper information and paperwork to complete transactions, and following bank policies and regulations.
• Evaluates loan applications and documentation by confirming credit worthiness.

Requirements:

• Experience: Three (3) years of experience as a Residential Loan Officer required, preference to those with experience in a retail environment or consumer direct call center environment.
• Excellent sales and communication skills.
• Existing referral/relationships in the Kansas City Market and beyond
• Experience with loan calculation software.
• Strong attention to detail and focus on quality and accuracy preferred.

Farmers Bank offers a comprehensive benefit package including PTO, Health and Life Insurance, 401K/Profit Sharing, and other benefits.

Job Type: Full-time

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Flexible spending account
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday
• Weekend availability

Work Location: Remote

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