Mortgage Lending Officer, (commission) Nicholasville

Central Bank & Trust • Lexington, KY

8d • Onsite

About The Position

Originates conventional, FHA, RHS, and VA loans to include Kentucky Housing and other special bond issue mortgage loans.

Requirements

• Associate’s degree (or commensurate hours) with three years’ experience in secondary market lending and/or mortgage origination that includes government lending OR Five years’ banking experience with 3 years being within the secondary market in lending and/or mortgage origination that includes government lending
• Proven strength and solid experience in sales
• Good personal computer skills, to include Word and Excel software
• Excellent verbal and written communication, problem solving, organization, time management, interpersonal skills, and customer service
• Skilled in numerical analysis and deductive reasoning
• Proficient in loan origination software
• Strong understanding of loan products, underwriting, and credit analysis
• High level of attention to detail and ability to manage multiple files simultaneously
• Complies with all requirements of the SAFE Act including proper and timely registration on the NMLS Registry.

Responsibilities

• Originates mortgage loans which includes but not limited to: Counseling applicants on available loan programs, qualifying requirements, and terms; Preparing and reviewing loan applications, disclosures, and supporting documentation for accuracy and compliance for all types of mortgage loans to be sold on the secondary market; Collecting and analyzing financial and credit information to determine borrowers’ eligibility for loan products, appropriate structure, and pricing; Working closely with processors, underwriters, and closers to ensure timely and accurate loan processing through funding; Soliciting business through realtors, builders, and other sources of potential mortgage loan business.
• Documents mortgage loans in compliance with Central Bank, investors, FNMA and Freddie Mac guidelines.
• Maintains up-to-date knowledge of lending guidelines, investor overlays, and secondary market trends (Fannie Mae, Freddie Mac, FHA, VA).
• Provides excellent customer service.
• Complies with all requirements of the SAFE Act including proper and timely registration on the NMLS Registry.
• Performs other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree