Equity Bank
Position: Mortgage Loan Originator
Department: Wichita Loans
Status: Full-Time(Salary)
Jump start your career at Equity Bank ! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we'll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.
Job Description
1. Sales Production - Mortgage Loans
Develop relationships with local referral sources including real estate contacts, builders and existing Equity Bank staff in order to originate mortgage loans.
Refer mortgage loan customers to bank employees for applicable bank products, including deposit products, loan products and other bank services.
Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk to the Bank.
Transacts business in conformance with state and federal regulations such as, but not limited to, RESPA, HMDA and Fair Lending Practices.
Keeps informed of the changing rules and regulations pertaining to both private and government-insured mortgages.
Skills/Requirements
Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.
At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We're searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.
Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.
What's in it for you?
We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.
Benefits Available:
Find your future at Equity Bank!
The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.
Physical Requirements
This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.
Work Environment
This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.
Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant's race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
Department: Wichita Loans
Status: Full-Time(Salary)
Jump start your career at Equity Bank ! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we'll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.
Job Description
1. Sales Production - Mortgage Loans
Develop relationships with local referral sources including real estate contacts, builders and existing Equity Bank staff in order to originate mortgage loans.
- Conduct presentations at branches, real estate office sales meetings, homebuyer's seminars or any other venues to solicit mortgage business
- Keeps informed on trends and developments in the local real estate market
- Benchmark of $750,000 of originations per month.
- At least 15 new applications a month.
Refer mortgage loan customers to bank employees for applicable bank products, including deposit products, loan products and other bank services.
- Attend product training courses as provided by the bank training department as needed to ensure working knowledge of bank products.
- Benchmark of 2 bank product or service referrals per month.
Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk to the Bank.
- Advises new and existing customers on various loan programs based on the customers' financial needs.
- Obtains and analyzes pertinent financial and credit data.
- Analyzes current rates and loan programs and provides accurate and timely information to customers.
- Negotiates terms and conditions of loans with applicants.
- Acts as liaison with borrowers/customers, other bank employees, outside entities (realtors, title and escrow officers, etc.) as well as other division staff, to facilitate a prompt, efficient closing of each loan.
Transacts business in conformance with state and federal regulations such as, but not limited to, RESPA, HMDA and Fair Lending Practices.
Keeps informed of the changing rules and regulations pertaining to both private and government-insured mortgages.
- Manages pipeline to ensure service standards and financial goals are met.
- Consistently works in accordance to published department sales and service standards.
- Benchmark of less than 5% error ratio as documented through Quality Control reports, Internal Audits, External Audits and Regulatory Examinations.
- Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
Skills/Requirements
- The ideal candidate will have the following qualifications:
- Highly self-motivated and a driven individual
- 3+ years proven sales or sales management experience
- Expertise in mortgage products and services as well as regulatory guidelines.
- Creativity and negotiation skills.
- Excellent problem-solving skills to identify client needs and resolve problems.
- High school degree or equivalent
Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 72 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.
At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We're searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.
Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.
What's in it for you?
We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.
Benefits Available:
- Health, Dental & Vision Insurance
- Group Life & Long-Term Disability Insurance
- Flexible Spending & Health Savings Accounts
- Group Cancer Insurance
- 401(K) Retirement Plan w/ Company Match
- Generous Vacation & Sick Time
- Employee Stock Purchase Plan (ESPP)
- Pet Insurance
- Retail Banking Benefits
Find your future at Equity Bank!
The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.
Physical Requirements
This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.
Work Environment
This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.
Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant's race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.