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Mortgage Loan Consultant at Capitol Federal Savings Bank

Posted in Admin - Clerical 30+ days ago.

Type: Full-Time
Location: Wichita, Kansas





Job Description:

Role


Maintains an active knowledge of all real-estate loan products and programs and an understanding of the qualifications requirements of each. Assists borrowers by recommending loan products that meet their needs and the Banks’ lending guidelines. Completes the loan application with the borrower and gathers necessary documentation to begin the loan process. Responsible for developing business contacts and attracting mortgage customers. May require time spent away from the office marketing and connecting with other real-estate professionals.


Essential Duties & Responsibilities



  • Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. This includes entering the appropriate data into the loan origination system with accuracy, and providing all regulatory required disclosures accurately and in a timely manner.

  • Responds to inquiries from prospective customers and provides information regarding all mortgage loan products, loan policies, Bank underwriting standards and Bank procedures. Includes communicating approvals and denials.

  • Responsible for generating new loan business and providing origination assistance to own customer base. Maintains close relations with others in the banking community, including Realtors, title companies and other banking professionals outside the Bank.

  • Cross-sells loan customers other Bank insurance products and retail services.

  • Perform other duties as assigned.

  • Participate in proactive team efforts to achieve departmental and company goals.

  • Must comply with current applicable laws, regulations and bank policies and procedures. Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources.

Requirements



  • A minimum of one to three years of similar or related experience, including preparatory experience.

  • NMLS Registration will be required prior to originating mortgage loans.

  • Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others both inside and/or outside the organization, generally routine matters for purposes of taking loan applications, providing status updates throughout the process and communications with support staff, which typically require verbal and written communications.

  • Ability to use standard personal computers (including peripheral equipment), ten-key calculator, typing 30-40 words per minute, view a computer terminal for varying periods of time, enter data accurately and to learn and retain the proper use of office equipment, including multi-functioning devices for scanning, printing, copying and faxing.

Physical Requirements


Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management.


Working Conditions


Regular in-office attendance required.


Mental and/or Emotional Requirements


Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.


Acknowledgement


Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. 


Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time. 


Capitol Federal Savings Bank is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, sex/gender, national origin, disability, age, or any other category protected by law. 

Loan Origination





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