Retail Mortgage Loan Originator

Community First National Bank is seeking a motivated, relationship-driven Mortgage Loan Officer. This role is ideal for a professional who has established referral and past client relationships, delivering exceptional client experiences, and growing a sustainable purchase-focused pipeline.

Compensation & Benefits

• 100% commission-based compensation with minimum wage draws based on location.
• Most senior loan officers earn $150,000 with unlimited earning potential based on production.
• Matching 401(k)
• Health, dental, and vision insurance options

Key Duties & Responsibilities

• Build new business through real estate agent partnerships, referral sources, and proactive local networking - NO bank leads will be provided.
• Manage individual pipelines by completing new loan applications, condition reviews, and other loan originator tasks within established turn times.
• Analyze prospective borrowers’ financial profiles based on available mortgage programs and eligibility guidelines.
• Remain current on agency loan guidelines/secondary market investor requirements, pricing policies, banking compliance, and regulations.

Key Strengths of our Mortgage Operation

• Local in-house underwriting and processing for most mortgage programs.
• 50-state lending authority.
• The ability to work remotely.
• Wide range of programs from Fannie Mae/Freddie Mac agency loans, FHA, VA, USDA, Jumbo, 2nd mortgage, HELOCs, DSCR, Reverse mortgages, and non-QM programs.

Knowledge, Skills & Abilities

• Excellent customer service skills, attentiveness, and information retention.
• Detail-oriented, a high degree of accuracy.
• Self-starter, ability to work independently.
• Strong communication & organizational skills.
• Ability to work in a fast-paced environment & under pressure as needed.

Education & Experience

• NMLS Licensing required.
• Bachelor’s degree in related field preferred or equivalent experience.
• 2 years of current loan originator experience required.
• Experience with automated underwriting systems (DU/LP) required.
• Current knowledge of Fannie Mae/Freddie Mac, FHA, USDA, and VA guidelines, standards, and practices required.
• Previous experience with Encompass loan origination software preferred.

Work Environment

This position offers the opportunity to work from home for the right candidate. The following are additional requirements if the individual is approved to work in a virtual environment from home:

• High-speed internet connectivity
• A quiet, dedicated workspace
• Must be able to work flexible hours
• Equipment will be provided if the candidate does not possess adequate equipment.

Physical Demands

The physical demands described here represent those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit; and talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. The employee may occasionally lift up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible schedule
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Education:

• High school or equivalent (Required)

Experience:

• Mortgage Loan: 1 year (Preferred)
• Residential Loan Origination: 2 years (Required)

Ability to Relocate:

• Lenexa, KS 66215: Relocate before starting work (Required)

Work Location: Hybrid remote in Lenexa, KS 66215

Salary : $150,000