Loan Officer Position Available In Clay, Missouri

Loan Officer Sterling Bank – 3.8

Kansas City, MO Job Details Full-time Estimated:

$42.8K – $56.8K a year 20 hours ago Benefits Paid holidays Health insurance Dental insurance 401(k) Vision insurance Life insurance Qualifications Customer service Mid-level Microsoft Office 3 years Organizational skills Lending Associate’s degree Banking Full Job Description Join the Sterling Bank team in our Kansas City, Missouri location! This is a full-time, non-supervisory position with regular in-office hours of 8am to 5pm, Monday through Friday – no weekends! We offer a competitive benefit package that includes paid holidays, vacation, 401k retirement along with access to group medical, dental, vision, and life insurance plans. As a Loan Officer, you will be responsible for originating, underwriting, and closing loans in accordance with established lending objectives, policies, and procedures. Guide customers through the mortgage loan application process, understand their goals and recommend products that best fit their needs. Gather and evaluate all necessary financial information, prepare credit memos, and present requests to the loan committee for approval, and provide updates throughout the process.

ESSENTIAL DUTIES

Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages, in the Greater St. Louis area. Promote the Bank’s CRA eligible products to community groups. Must be active in the Bank’s CRA program and attend functions outside of the Bank as requested. Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans. Explains the differences between and approval requirements of several types of mortgages; prepares and presents a lending package based on client specifications. Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness. Reviews loan applications, gathers credit histories and reports, and assesses applicants’ capacity to repay and default risk. Based on predetermined requirements, assesses, and grants or rejects mortgage applications. Views or visits property for real estate purchase or refinance. Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages. Performs other duties as assigned, including managing consumer and non-real estate lending. KNOWLEDGE, SKILLS, and

ABILITIES

Excellent interpersonal and customer service skills. Excellent organizational skills and attention to detail. Thorough understanding of loan products offered and other types of construction and conventional loans. Thorough understanding of lending practices and procedures. Proficient with Microsoft Office Suite or related software.

TRAINING AND EXPERIENCE

Three to five years of previous banking experience Previous lending experience, preferred