Farmers Bank of Kansas City is looking for a full-time Loan Originator in our growing Consumer Direct Home Equity Lending Division. This is an excellent opportunity for someone with exceptional communication skills, a commitment to quality, and a desire to help others. We look for self-starters with a positive attitude and a strong attention to detail. The successful candidate will join a high-performance team at a large community bank.
Job Responsibilities:
Provides exceptional customer service to internal and external customers.
Manage flow of inbound phone and data leads for home equity loan inquiries.
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 that 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 agreement, customer needs and conform to 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; following bank policies and regulations.
Evaluates loan applications and documentation by confirming credit worthiness.
Requirements:
Experience: Three years of experience as a Residential Loan Officer with Home Equity lending experience required, preference to those with a background in a consumer direct call center environment.
Excellent sales and communication skills
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
FARMERS BANK AND TRUST IS AN EQUAL OPPORTUNITY EMPLOYER -Veteran/Disability
Applications may be printed online at www.farmersbankks.com