Job Description

Mortgage Loan Originator

Mortgage Loan Officer

KBHS exclusively serves the customers of one of the nation’s Top Five Residential Builders - KB Home. If your career satisfaction is based on providing world-class service to your borrowers - including more time to build solid relationships - you’ve come to the right place.

Pay range for this role is $60,000-$150,000+, based on commissions only

As a KBHS Mortgage Loan Originator (“MLO”), you will assume full responsibility to guide new KB Home purchasers through the loan process from pre-qualification, application, loan approval, and loan closing. You will pre-qualified prospective KB Home buyers introduced by a KB credit portal, review financing options, and assist credit-challenged purchasers, as needed. You will serve as the primary point of contact for homebuyers throughout the home buying process for assigned communities. Establishing and maintaining a partnership with the KB Home sales team is vital to the success of the MLO in this role. Strong interpersonal and communication skills, coupled with product knowledge and a sense of urgency are all requisites for the role. The ability to communicate clearly and effectively; both verbally and in writing, across a variety of audiences is essential. Minimum of 2+ years MLO experience a must, builder background preferred, and strong purchase product knowledge around conventional, FHA, and VA financing options. We would like this role to have some management background.

Essential Duties and Responsibilities

• Spend adequate time in builder communities earning the business by reaching out to 100% of the customers.
• Provide weekend support in builder communities and grand opening functions.
• Make presentations on loan products in Sales Meetings and with Sales staff in builder communities.
• Meet with the Branch Manager on a weekly basis to review the goal metrics plan vs. results.
• Responsible for marketing KBHS products and services to potential business sources for the purpose of loan origination.
• Represent KBHS in a professional manner at industry-related functions.

Initial Loan Application:

• Daily focus and discipline around reaching out to 100% of KB prospects and securing a complete loan application within 5 days of KB Home contract.
• Manage loan-level dispositions reflecting the progress on the pipeline.
• Review all documentation provided by the borrower, check for accuracy, and address any discrepancies.
• Conversation Log must clearly note the status of any required documentation not included in the file.
• Achieve GOLD cert loan status within 30 days of KB Home contract on 90% of pipeline

Other Duties:

• Daily Pipeline Management (pre-qualification to funding).
• Regular status of the progress on the loan through collaboration with the Fulfillment Center.
• Quality Control - be familiar and comply with all KBHS policies and procedures.
• Weekly customer contact on the pipeline.

Desired Skills, Experience, or Education:

• NMLS Number required with at least two years’ experience as a Mortgage Loan Originator.
• Minimum requirements are Conventional, FHA, and VA Closing/funding experience - bond experience a plus. TRID experience is a must.
• Must be detail-oriented and organized.
• Ability to multi-task, as well as work efficiently and effectively within required deadlines.
• Reviewing files for completeness and adherence of fees and compliance with TRID regulation.
• Excellent verbal, written, and interpersonal communication skills.
• Ability to learn quickly and apply that knowledge, along with the ability to work in a team environment.

Preferred Skills and Experience:

• Demonstrate high volume productivity.
• Must be detail-oriented, organized, and work efficiently under pressure.
• Excellent written and oral communication skills.
• Strong organizational and analytical skills.
• Demonstrate an OUTSTANDING level of customer service skills.
• Work independently and be "self-motivated".

KBHS Home Loans, LLC is powered by Guaranteed Rate, Inc.

Keywords: Mortgage Loan Officer, Loan Officer, Loan Originator, Mortgage Loan Originator, Licensed, NMLS, Builder

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