Mortgage Loan Originator

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

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. A minimum of 2 years MLO experience a must, builder background preferred, and strong purchase product knowledge around conventional, FHA, and VA financing options required.

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 with and comply with all KBHS policies and procedures.

· Weekly customer contact on the pipeline.

Skills, Experience, or Education:

· Must be fluent in speaking, writing, and reading in Spanish.

· NMLS Number required with at least two years' experience as a Mortgage Loan Originator.

· Minimum requirements are Conventional, FHA, and VA Closing/funding experience - TRID experience is a must.

· Must be detail-oriented, organized, and work efficiently under pressure.

· 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.

· Demonstrate an OUTSTANDING level of customer service skills.

· Ability to learn quickly and apply that knowledge, along with the ability to work in a team environment.

· Work independently and be "self-motivated".

Preferred Skills and Experience:

· Demonstrate high volume productivity.

· Bond experience.

KBHS Home Loans, LLC is powered by Guaranteed Rate.

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

Job Type: Full-time

Pay: $60,000.00 - $150,000.00 per year

Benefits:

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

Compensation package:

• Bonus opportunities
• Commission pay

Schedule:

• Weekends as needed

Work setting:

• Hybrid work

Application Question(s):

• What is your NMLS number?

Ability to Relocate:

• Fresno, CA 93650: Relocate before starting work (Required)

Work Location: Hybrid remote in Fresno, CA 93650