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Bell Bank
Mortgage Loan OfficerBell Bank • Overland Park, KS, United States
Mortgage Loan Officer

Mortgage Loan Officer

Bell Bank • Overland Park, KS, United States
30+ days ago
Job type
  • Full-time
Job description

Under minimum supervision, this position will market and originate mortgage loans that meet regulatory and investors guidelines to be sold on the secondary mortgage market.



Primary Duties:



  • Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications.

  • Structure loan to ensure compliance to product guidelines.

  • Submit through DU/LP and review findings to ensure borrower findings meets guidelines.

  • Enter all required information into the mortgage loan origination system and order appraisal.

  • Solicit and take loan applications in a professional and timely manner in line with company standard and procedures.

  • Evaluate credit factors and eligibility to ensure application meets guideline requirements.

  • Provide appropriate borrower compliance information at the time of application, have disclosures signed and delivered.

  • Provide Loan Estimate (LE) within regulatory guidelines. Also provide re-disclosure as required by regulatory guidelines through understanding of MDIA requirements.

  • Provide all necessary applicant information to processor.

  • Price loans according to guidelines and secure signed lock agreements.

  • Review Closing Disclosure (CD) and prepare the borrower for closing.

  • Keep open line of communication with agents, borrower, processors and closers to provide excellent customer service.

  • Develop individual marketing plans to expand market share and stimulate loan production.

  • Maintain regular customer contact with professional and community organizations to ensure a positive company image.

  • Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage.

  • Provides advice and service to applicant requesting mortgage information.

  • Make preliminary determination of applicants credit worthiness and has authority to issue prequalification statement of borrowers eligibility.

  • Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management

  • Know by name and face as many customers and employees as possible, calling them by name as often as possible.

  • Know, understand, and live the company values and bottom line.

  • Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.

  • All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.

  • Perform other duties as assigned.


Job Skills Required:



  • B.A. or minimum of three years of mortgage banking experience.

  • Two years of mortgage banking sale experience.

  • NMLS registration.

  • Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA Lending, regulatory compliance and investor guidelines.

  • Ability to strategically plan to market and develop business contact.

  • Ability to work with limited supervision.

  • Excellent customer service skills.

  • Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.

  • Ability to travel to different branches and to off-site meetings to meet with clients or co-workers.

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Mortgage Loan Officer • Overland Park, KS, United States

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