Mortgage Loan Originator

Join our team in Wichita as a Mortgage Loan Originator! We are looking for a Mortgage Loan Originator who is prepared to make a difference in the lives of consumers who want to buy a home. As a Mortgage Loan Originator, you will consult with clients to assess their needs and recommend lending solutions. You will also help clients put together a complete loan application and working with our Operations team throughout the loan process.

The ideal candidate will have at least three years of direct sales experience and a proven track record of generating at least $15 million annually in self-sourced residential loan volume. We are not looking for sales managers; instead we are looking for retail producers who maintain a strong reputation within the industry and among both existing and potential referral sources. Exceptional customer service skills, strong communication abilities, and a high level of professionalism are essential for success in this role.

For over 55 years, KS StateBank has balanced home-town banking values with a respected nation-wide presence. Across all departments, our employees are focused on creating positive experiences for our clients by providing incomparable knowledge, outstanding solutions, and exemplary service. Our focus isn’t just on our clients; at KS StateBank, we also strive to achieve mutual investment in our employees for long-term organizational and personal success.

We currently have a full-time position available Monday through Friday, working 40 hours per week. We anticipate a base salary of $50,000 per year, with paid wages being a draw on commission earned.

Employee benefits include 401k, health, dental and vision insurance and paid time off.

Market Reach
With $2.5 billion in assets, KS StateBank is consistently profitable and a well-capitalized commercial and consumer bank and is able to support mortgage customers with a wide variety of products.

Compensation
We offer very competitive commission structures and do not “charge” for marketing, business development, technology, office space or other support costs.

Transparency
We objectively measure originator production in a variety of ways and share that information with each originator. We pursue and encourage healthy discussion, with management and among peers about ways to improve and maintain performance, especially as market conditions change.

We currently have a full-time position available Monday through Friday, working 40 hours per week. Employee benefits include 401k, health, dental and vision insurance and paid time off.

Find your greatest success with KS StateBank!

Job Responsibilities:

• Originates residential loans including purchases, refinances and bridge loans. Gathers initial information and processes loan applications; orders appraisals, insurance, other documents needed for processing. Submits to underwriting. Attends closings.
• Reviews credit history, debt to income ratios, employment history, and values of collateral. Locks loan in with investors.
• Maintains and develops new and current business client base. Keeps in close contact with current and past realtors for referrals.
• Acts as liaison for loans and client base
• Answers questions on other products for clients and acts as Personal Banker, as needed
• Supports branch operations for coverage
• Establishes and maintains effective business and working relations with vendors, suppliers, external clients and company personnel and management
• Assumes responsibility for related duties as required or assigned

Knowledge, Skills and Abilities:

• Be able to show at least $15mm/year in self-generated residential loans
• Fit our model and team; we are not looking for sales managers but for retail producers
• High School Diploma or GED required
• At least 3 years of direct sales experience
• Positive reputation in the industry and with actual and/or potential referral sources
• Solid internal and external customer service abilities and communication skills

Physical Requirements:

• Ability to stand for long periods of time
• Able to view a computer screen for long periods of time
• Must be able to speak and listen clearly both in person and on the phone
• Fine visual acuity to read for accuracy
• This job may require lifting up to 50 pounds occasionally, 10 pounds frequently

Additional Information: KS StateBank is an equal opportunity employer. It is the Bank’s policy to make employment decisions on the basis of merit and to prohibit discrimination on the basis of race, color, sex, religion, age, national origin, disability, genetic information or any other consideration made unlawful by applicable law. The Bank is committed to complying with all applicable laws providing equal employment opportunities. This commitment applies to all persons involved in the operations of the Company and prohibits unlawful discrimination by any employee or supervisor. If you believe you have been subjected to any form of unlawful discrimination, please contact an Executive Officer of the Bank. The Bank will immediately undertake an effective, thorough and objective investigation. If the Bank determines that unlawful discrimination has occurred, effective remedial action will be taken. Appropriate action will also be taken to deter future discrimination. The Bank will not retaliate against you for filing a complaint and will not permit retaliation by management or your co-workers.

INTENT AND FUNCTION OF JOB DESCRIPTIONS All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Benefits:

• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Work Location: In person