Home Lending Center Loan Officer

KeyBank • Cincinnati, OH

2d • 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 aligned 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 originates and processes residential mortgage transactions, guides clients through loan options and terms, gathers documentation, and serves as the primary client contact throughout the loan process. It also requires maintaining knowledge of KeyBank products and competitive offerings, using sales and origination systems effectively, and keeping informed about real estate markets and mortgage industry developments.

The role is based at 301 East Fourth Street in Cincinnati, Ohio. Key prioritizes in-office presence while offering flexible options when roles can be performed effectively in a mobile environment. The position is eligible to earn commission and deferred incentive compensation. Other duties may be assigned, and employees must comply with KeyBank policies and procedures and conduct business ethically in clients’ and Key’s best interests.

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 with sales/originator systems and workflow management.
• Ability to assess borrower risk by analyzing credit, income, assets, and property data in accordance 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 following regulatory and internal policies.
• Knowledge of the mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures.
• Understanding of mortgage loan 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 residential or commercial 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, 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 physical demands of general office work, including prolonged sitting, face-to-face or phone communication, frequent PC/laptop use, and occasional lifting, pushing, or pulling of computer or backpack bags weighing 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.
• Provide clients with detailed information about mortgage options, interest rates, and terms to support informed decisions.
• Gather necessary documentation at loan registration and serve as the primary client contact throughout the loan process.
• Maintain high standards of 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, or 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: Mid Level