Job details
Job type full-time
Full job description
About working at commerce
Wouldn’t it be great to build your career at a bank that’s known for helping people with their financial challenges? that’s exactly what you’d be doing when you join the team at commerce bankWe’re looking for teammates who are ready to do whatever it takes to help our customers with their everyday financial needsYou’d be helping yourself too, because commerce has a tradition of recognizing and rewarding team members for their talent, skills and contributions.
No wonder we’ve been an industry leader for over 150 years and have developed a reputation as a great place to work in the financial services worldIf you’d like to be a part of a team and culture that is respected by its peers and in your community, we should talkWe’re always looking for the best and brightest.
About this job
The main purpose of this job is to service new customers to commerce bank and existing clients with their home financing needs by providing the optimal customer experience and delivering personal service.
Essential functions
Analyze applicants’ financial status, creditworthiness, and property evaluation to determine the eligibility and feasibility of granting home loans
Provide financing options and customized solutions by conducting a deep dive analysis of the application, credit profile, financials, etcAnd ensuring options offered fit within the guidelines of the lending/sellers guide(s) by product type (fha/va, conv, heloc)
Pre-underwrite files to obtain and analyze documentation, in a timely fashion, regarding employment, credit, income, assets and collateral
Verify documentation meets commerce bank mortgage, investor and agency standards prior to submission
Manage and deliver best in class client care to a large active loan pipeline in a pre-funded status
Manage and deliver best in class client care to a large active lead pipeline of clients utilizing the lead management data base
Maintain continual, consistent, and open communication with all appropriate parties to the transaction in accordance with current service level agreements (slas) and industry regulations to ensure a timely closing that exceeds the client’s expectations
Consistently document the lead management system and loan origination system with: client communications/expectations, time lines, next steps, action items, owners of the actions, loan condition needs
Provide customer/conversion feedback to leadership, marketing, secondary marketing and technology teams
Perform other duties as assigned
Knowledge, skills & abilities required
Intermediate knowledge of mortgage industry guidelines
Exceptional customer service skills
Ability to manage and meet multiple origination and processing deadlines
Ability to work overtime at peak volume times as determined by commerce management
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and core values
Advanced level proficiency with microsoft word, excel and outlook
Education & experience
Associate’s degree in business administration or finance, or equivalent combination of education and experience requiredBachelor’s degree preferred.
2+ years experience in first and second mortgage loan origination – including conventional fha/va, construction to permanent, and secondary financing required
Experience working in a sales role within a call center team environment preferred
Experience with mortgage loan origination/processing and automated underwriting systems (preferably encompass loan origination, freddie mac and fannie mae’s automated underwriting systems) preferred
Location: 922 walnut st, kansas city, missouri 64106
Time type:
Full time
