Residential Lender II
Company Name:
Great Southern Bank
Job Responsibilities
Under general supervision, but following existing policies and procedures as well as all applicable banking laws and regulations, including BSA and AML, is responsible for originating all types of mortgage loans from qualified borrowers. Responsible for interviewing potential borrowers, explaining all loan programs, and conducting a preliminary analysis in order to determine if the borrowers meet minimum program criteria for any secondary market or portfolio products. Works with the Mortgage Loan Assistants as necessary to prepare and/or gather all loan documents necessary for closing.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Responsible for new business development and the cultivation of established customers. This duty is performed daily, about 30% of the time.
2. Interviews potential borrowers, explaining the various loan products available and analyzing the borrower''s needs to determine the appropriate product and ensure they meet minimum eligibility requirements. This duty is performed daily, about 20% of the time.
3. Gathers appropriate documentation from the borrower(s), inputting the applicable data into the loan tracking system. This duty is performed daily, about 20% of the time.
4. Regularly communicates and works with the Mortgage Loan Assistants to ensure all necessary documentation is received and all necessary closing documents are complete and accurate. This duty is performed daily, about 20% of the time.
5. Looks for cross-sell opportunities for other company products and services. This duty is performed daily, about 10% of the time.
6. Perform any other related duties as required or assigned.
Minimum Education & Other Requirements
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 2 years related experience and/or training. Or equivalent combination of education and experience.
SUPERVISORY RESPONSIBILITIES
None.
COMMUNICATION SKILLS
Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; Ability to write routine reports and correspondence.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply and divide numbers. Ability to perform these mathematical skills using money and other forms of measurement.
CRITICAL THINKING SKILLS
Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.
SUPERVISION RECEIVED
Under general supervision where standard practice enables the employee to proceed alone on routine work, referring all questionable cases to supervisor.
PLANNING
Limited responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work operations.
DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance; the latter of which would affect the work operations of other employees and/or clientele to a moderate degree.
MENTAL DEMAND
Moderate mental demand. Operations requiring almost continuous attention, but work is sufficiently repetitive that a habit cycle is formed; operations requiring intermittent directed thinking to determine or select materials, equipment or operations where variable sequences may be selected by the employee.
ANALYTICAL ABILITY / PROBLEM SOLVING
Directed. Supervisory and/or professional skills using structured practices or policies and directed as to execution and review. Interpolation of learned things in moderately varied situations where reasoning and decision-making are essential.
USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of highly complex machines and equipment; specialized or advanced software programs.
ACCURACY
Probable errors of internal scope should ordinarily be detected within the department or office in which they occur, but may affect the work of others within the unit, requiring additional expenditure of time to trace errors and make all necessary corrections. Errors would require a moderate amount of time to correct.
PUBLIC CONTACT
Frequent contacts with general public, patrons, or other outside representatives, wherein the manner of handling these contacts has a bearing on the organization''s position and operation.
EMPLOYEE CONTACT
Contacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Must have a valid drivers license and/or the ability to travel to customer locations as necessary. Must be registered under the Nationwide Mortgage Licensing System (NMLS) or become registered upon hire.
SOFTWARE SKILLS REQUIRED
Intermediate: Contact Management
Basic: 10-Key, Accounting, Alphanumeric Data Entry, Spreadsheet, Word Processing/Typing
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
While performing the functions of this job, the employee is regularly required to sit, talk or hear; frequently required to stand, walk, use hands to finger, handle, or feel, reach with hands and arms; and occasionally required to climb or balance, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; distance vision; and color vision.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
Great Southern Bank is an Equal Employment Opportunity Employer of Minorities, Females, Protected Veterans and Individuals with Disabilities.
Department: Mortgage Lending
City, State: Lees Summit, MO
Work Schedule: Monday - Friday
Shift Schedule: 8:00 am - 5:00 pm
Hours Per Week: 40 hours
Job Grade: 13Estimated Salary: $20 to $28 per hour based on qualifications.
Great Southern Bank
Job Responsibilities
Under general supervision, but following existing policies and procedures as well as all applicable banking laws and regulations, including BSA and AML, is responsible for originating all types of mortgage loans from qualified borrowers. Responsible for interviewing potential borrowers, explaining all loan programs, and conducting a preliminary analysis in order to determine if the borrowers meet minimum program criteria for any secondary market or portfolio products. Works with the Mortgage Loan Assistants as necessary to prepare and/or gather all loan documents necessary for closing.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Responsible for new business development and the cultivation of established customers. This duty is performed daily, about 30% of the time.
2. Interviews potential borrowers, explaining the various loan products available and analyzing the borrower''s needs to determine the appropriate product and ensure they meet minimum eligibility requirements. This duty is performed daily, about 20% of the time.
3. Gathers appropriate documentation from the borrower(s), inputting the applicable data into the loan tracking system. This duty is performed daily, about 20% of the time.
4. Regularly communicates and works with the Mortgage Loan Assistants to ensure all necessary documentation is received and all necessary closing documents are complete and accurate. This duty is performed daily, about 20% of the time.
5. Looks for cross-sell opportunities for other company products and services. This duty is performed daily, about 10% of the time.
6. Perform any other related duties as required or assigned.
Minimum Education & Other Requirements
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 2 years related experience and/or training. Or equivalent combination of education and experience.
SUPERVISORY RESPONSIBILITIES
None.
COMMUNICATION SKILLS
Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; Ability to write routine reports and correspondence.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply and divide numbers. Ability to perform these mathematical skills using money and other forms of measurement.
CRITICAL THINKING SKILLS
Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.
SUPERVISION RECEIVED
Under general supervision where standard practice enables the employee to proceed alone on routine work, referring all questionable cases to supervisor.
PLANNING
Limited responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work operations.
DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance; the latter of which would affect the work operations of other employees and/or clientele to a moderate degree.
MENTAL DEMAND
Moderate mental demand. Operations requiring almost continuous attention, but work is sufficiently repetitive that a habit cycle is formed; operations requiring intermittent directed thinking to determine or select materials, equipment or operations where variable sequences may be selected by the employee.
ANALYTICAL ABILITY / PROBLEM SOLVING
Directed. Supervisory and/or professional skills using structured practices or policies and directed as to execution and review. Interpolation of learned things in moderately varied situations where reasoning and decision-making are essential.
USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of highly complex machines and equipment; specialized or advanced software programs.
ACCURACY
Probable errors of internal scope should ordinarily be detected within the department or office in which they occur, but may affect the work of others within the unit, requiring additional expenditure of time to trace errors and make all necessary corrections. Errors would require a moderate amount of time to correct.
PUBLIC CONTACT
Frequent contacts with general public, patrons, or other outside representatives, wherein the manner of handling these contacts has a bearing on the organization''s position and operation.
EMPLOYEE CONTACT
Contacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Must have a valid drivers license and/or the ability to travel to customer locations as necessary. Must be registered under the Nationwide Mortgage Licensing System (NMLS) or become registered upon hire.
SOFTWARE SKILLS REQUIRED
Intermediate: Contact Management
Basic: 10-Key, Accounting, Alphanumeric Data Entry, Spreadsheet, Word Processing/Typing
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
While performing the functions of this job, the employee is regularly required to sit, talk or hear; frequently required to stand, walk, use hands to finger, handle, or feel, reach with hands and arms; and occasionally required to climb or balance, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; distance vision; and color vision.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
Great Southern Bank is an Equal Employment Opportunity Employer of Minorities, Females, Protected Veterans and Individuals with Disabilities.
Department: Mortgage Lending
City, State: Lees Summit, MO
Work Schedule: Monday - Friday
Shift Schedule: 8:00 am - 5:00 pm
Hours Per Week: 40 hours
Job Grade: 13Estimated Salary: $20 to $28 per hour based on qualifications.
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