Mortgage Loan Officer

Portfolio Loan Officer Non-Conforming Residential Lending

Our mission is to create exceptional experiences for our customers that help them achieve their dreams, and we seek extraordinary individuals with the talent and passion to help us bring those dreams to life. Are you looking for a fulfilling career with a dynamic company culture, growth opportunities, and the chance to make a real impact? At North American Savings Bank (NASB), we pride ourselves on delivering top-notch customer service and financial solutions to support our customers achieve their dreams, whether it's buying their first home or planning for retirement. We believe exceptional customer service starts with an outstanding work culture that rewards hard work, provides the right tools for success, and values a healthy, happy team. With over 92 years of success and continued growth, NASB is seeking new team members eager to grow with us!

We are currently looking for a Portfolio Loan Officer to join our Residential Lending Team to originate Non-Conforming QM loans ("Non-QM"). Job Summary The Portfolio Loan Officer will be responsible for converting Non-QM leads and referrals to closed mortgage loans. A Portfolio Loan Officer specializes in originating loans that do not meet the standard qualifications of an agency or government conforming loan. The right candidate will exhibit a high motivation for success, sound judgment, independent decision making, and ability to follow all guidelines, policies and procedures established by NASB. NASB provides an array of Non-Conforming QM solutions to millions of underserved borrowers that do not meet traditional mortgage guidelines. We offer and originate mortgages in all 50 states. This role is 100% commission based.

What You Can Expect To Work On

• Originate Non-QM Loans by working closely with borrowers who don't qualify for traditional mortgage loans to understand their financial situations and recommend suitable non-conforming loan products, such as Bank Statement Loans, DSCR (Debt Service Coverage Ratio) Loans, Flex, and 1099 Loans.
• Ability to identify and sell non-conforming lending products to customers that are non-traditional borrowers.
• Call NASB provided Non-QM leads and accurately update lead records in NASB's lead management system in a manner consistent with company guidelines/policies.
• Relationship and referral building: Develop and maintain relationships with realtors, builders, referrals, and personal contacts to build and maintain a strong client base.
• Construct a complete and an accurate 1003 loan application while utilizing multiple technology options.
• Collect all applicable information from the customer before submitting the file to processing/underwriting to ensure file quality expectations are met.
• Work closely with the operations staff to help address and facilitate problem solving on escalated issues and find timely resolutions.
• Provide superior internal and external customer service that exceeds the customer's expectations.
• Complete required periodic training for regulatory compliance in accordance with state and federal laws.
• Maintain a work schedule and required working hours consistent with departmental policy, which will include some evening and weekend hours as needed.

What You Offer Us

• Bachelor's degree in finance/Accounting or related field preferred.
• Minimum of 3+ years mortgage experience and 3+ years of functional working knowledge of Residential Lending sales and operations experience.
• General knowledge around mortgage product offerings and Non-QM loan products.
• Ability to understand and lead through complex transactions, multiple property types, markets, and varying loan structures and their impact on security of collateral.
• Thorough understanding of all facets of mortgage lending, including knowledge of required mortgage loan documentation and its purpose.
• Strong analytical, problem-solving skills, and interpersonal communication.
• Sound judgment and decision-making abilities while working in a high-pressure environment.
• Adaptability and agility to quickly learn new and changing technology advancements.
• Effective business communication skills (both oral and written).
• Excellent time management, detail oriented and organizational skills.
• Highly motivated with the ability to work autonomously with limited supervision.
• Demonstrate a positive attitude focused on success and a strong team culture.

What We Offer You

• Comprehensive health insurance options including medical, dental, and vision coverage.
• 401(k) retirement plan with immediate employer match.
• Exclusive mortgage and banking benefits.
• Employee referral bonuses
• Internal training programs to help reach your career goals.
• This position will be based out of our headquarters in KCMO, with flexibility for remote work one to two days per week.