Loan Officer Consumer Direct - Home Equity

Farmers Bank of Kansas City is looking for a full-time Loan Originator in our growing Consumer Direct Home Equity Lending Division.

This is an excellent opportunity for someone with exceptional communication skills, a commitment to quality, and a desire to help others.

We look for self-starters with a positive attitude and a strong attention to detail. The successful candidate will join a high-performance team at a large community bank.

Job Responsibilities :

• Provides exceptional customer service to internal and external customers.
• Manage flow of inbound phone and data leads for home equity loan inquiries.
• Manages loan portfolio, to include on-going communication and follow-up with customers.
• Interviews prospective applicants and requests required information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information;

assures that proper loan information is collected to maintain acceptable credit standards and conform to bank policy.

• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; approves loans within established lending guidelines.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies;

obtains sufficient information and / or documentation from customers; solves problems relative to processing and servicing of loans within assigned portfolio.

• Maintains database and monitors performance of loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Negotiates terms and structures loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Conducts business development and customer retention officer calls.
• Develops new loan business by developing relationships with prospective customers; identifying needs; recommending solutions; and closing sales.
• Follows regulatory requirements by protecting information for privacy and confidentiality; displaying discretion in discussing customer information;

obtaining proper information and paperwork to complete transactions; following bank policies and regulations.

Evaluates loan applications and documentation by confirming credit worthiness.

Requirements :

• Experience : Three years of experience as a Residential Loan Officer with Home Equity lending experience required, preference to those with a background in a consumer direct call center environment.
• Excellent sales and communication skills
• Experience with loan calculation software
• Strong attention to detail and focus on quality and accuracy preferred

Farmers Bank offers a comprehensive benefit package including PTO, Health and Life Insurance, 401K / Profit Sharing, and other benefits

FARMERS BANK AND TRUST IS AN EQUAL OPPORTUNITY EMPLOYER Veteran / Disability

Applications may be printed online at

Please return completed applications to :

ATTN : HUMAN RESOURCES

14231 METCALF AVE

OVERLAND PARK KS 66223

FAX (913) 387-5558

or email to : [email protected]