Home Lending Center Loan Officer

KeyBank • Brooklyn, OH

3d • Hybrid

About The Position

The Home Lending Center Loan Officer assists clients with originating residential mortgage loans and provides analysis and advice on home lending solutions aligned with clients’ financial goals. The role develops referral sources to grow Key’s home lending business and client base, while meeting or exceeding sales goals and maintaining high standards of client satisfaction and loan quality.

The position is based at 4910 Tiedeman Road in Brooklyn, Ohio. Key prioritizes in-office presence while providing flexible options when a role can be performed effectively in a mobile environment. The position is eligible to earn commission and deferred incentive compensation. Key states that eligible benefits are available but provides no benefit details in this posting.

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.
• Proficiency in 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, including gathering documentation, evaluating eligibility, and coordinating 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.
• Skill in promoting mortgage products, building client relationships, and meeting sales targets through consultative selling and market awareness.
• Expertise in providing real estate financing solutions, including risk assessment, loan structuring, and regulatory compliance.
• Capability 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 physical demands of a general office environment.

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 a targeted number 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.
• Maintain knowledge of KeyBank products, services, and competitive offerings.
• Stay informed about real estate market trends and mortgage industry developments.
• Perform other assigned duties; duties, responsibilities, and activities may change or be newly assigned.
• 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.

Benefits

• The position is eligible to earn commission and deferred incentive compensation.
• The posting refers applicants to a separate list of benefits for which the position is eligible, but does not specify those benefits.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed