Home Lending Center Loan Officer

KeyBank • Cincinnati, OH

1d • Hybrid

About The Position

The Home Lending Center Loan Officer assists clients with originating residential mortgage loans by providing analysis and advice on home lending solutions that align with their financial goals. The role develops referral sources to grow Key’s home lending business and client base, and is expected to meet or exceed sales goals while maintaining high standards of client satisfaction and loan quality.

The position is based at 301 East Fourth Street, Cincinnati, Ohio. Key prioritizes in-office presence while providing flexible options in circumstances where roles can be performed effectively in a mobile environment. The position is eligible to earn commission and deferred incentive compensation. A list of eligible benefits is available through the employer’s benefits information.

Requirements

• At least 1 year of mortgage sales experience.
• Excellent written and verbal communication skills.
• Strong customer service orientation.
• Ability to prioritize and manage multiple tasks.
• Proficiency in outbound calling and sales/originator systems and workflow management.
• Ability to assess borrower risk by analyzing credit, income, assets, and property data for compliance with lending guidelines and risk standards.
• Ability to initiate and process loan applications, gather documentation, evaluate eligibility, and coordinate with stakeholders through closing.
• Experience generating mortgage business through client engagement, pre-qualification, and application support while adhering to regulatory and internal policies.
• Knowledge of the mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures.
• Understanding of mortgage products, structures, and repayment terms, and ability to guide borrowers through financing options and obligations.
• Ability to promote mortgage products, build client relationships, and meet sales targets through consultative selling and market awareness.
• Ability to evaluate loan applications using financial statements, credit reports, and collateral to determine creditworthiness and repayment ability.
• Familiarity with FHA loan programs, including eligibility criteria, documentation requirements, and underwriting guidelines.
• Understanding of Fannie Mae guidelines and processes, including loan delivery, eligibility standards, and secondary market practices.
• Ability to meet the stated general-office physical demands: prolonged sitting; face-to-face and telephone communication with teammates and clients; frequent PC/laptop use; and occasional lifting, pushing, or pulling of computer bags or backpacks up to 10 pounds.

Nice To Haves

• Bachelor’s degree in a business-related field or equivalent experience.
• At least 1 year of mortgage processing experience.
• At least 1 year of working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, the Equal Credit Opportunity Act, RESPA regulations, and local and state real estate and finance laws.

Responsibilities

• Prospect and develop new client relationships and loan originations through internal referrals and external centers of influence.
• Originate and process targeted numbers of family residential real estate mortgage transactions in accordance with Home Lending guidelines.
• Explain mortgage options, interest rates, and terms to clients so they can make informed decisions.
• Gather required documentation at loan registration and serve as the primary client contact throughout the loan process.
• Maintain client satisfaction and loan quality, using sales/originator systems and workflows efficiently.
• Develop and maintain knowledge of KeyBank products, services, and competitive offerings.
• Stay informed about real estate market trends and mortgage industry developments.
• Perform other duties as assigned; duties, responsibilities, and activities may change or new ones may be assigned at any time with or without notice.
• Comply with KeyBank policies and procedures, act professionally and ethically, avoid conflicts of interest, and act in the best interests of Key’s clients and Key.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level