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
Please return completed applications to:
ATTN: HUMAN RESOURCES
14231 METCALF AVE
OVERLAND PARK KS 66223
FAX (913) 387-5558
or email to: humanresources@farmersbankks.com
