Mortgage Lending Officer (commission), Richmond Main

Central Bank & Trust•Lexington, KY

12h

About The Position

The Mortgage Lending Officer originates conventional, FHA, RHS, and VA loans, including Kentucky Housing and other special bond issue mortgage loans. The role counsels applicants on loan programs, qualification requirements, and terms; prepares and reviews applications, disclosures, and supporting documents; and evaluates applicants’ financial and credit information to determine eligibility, loan structure, and pricing. The officer works with processors, underwriters, and closers to move loans through processing and funding, and solicits mortgage business through realtors, builders, and other sources. The position requires compliance with Central Bank, investor, FNMA, and Freddie Mac guidelines, current knowledge of lending requirements and secondary market trends, strong customer service, and compliance with SAFE Act and NMLS registration requirements.

Requirements

Associate’s degree or commensurate hours, plus three years of experience in secondary market lending and/or mortgage origination that includes government lending; alternatively, five years of banking experience, including three years in secondary market lending and/or mortgage origination that includes government lending.
Proven strength and solid experience in sales.
Good personal computer skills, including Microsoft Word and Excel.
Excellent verbal and written communication, problem-solving, organization, time-management, interpersonal, and customer-service skills.
Skill in numerical analysis and deductive reasoning.
Proficiency in loan origination software.
Strong understanding of loan products, underwriting, and credit analysis.
High attention to detail and ability to manage multiple files simultaneously.

Responsibilities

Originate conventional, FHA, RHS, and VA mortgage loans, including Kentucky Housing and other special bond issue loans.
Counsel applicants on available loan programs, qualification requirements, and loan terms.
Prepare and review loan applications, disclosures, and supporting documentation for accuracy and compliance.
Collect and analyze financial and credit information to determine borrower eligibility, loan structure, and pricing.
Work with processors, underwriters, and closers to ensure timely and accurate processing through funding.
Solicit mortgage loan business through realtors, builders, and other potential business sources.
Document mortgage loans in compliance with Central Bank, investor, FNMA, and Freddie Mac guidelines.
Maintain current knowledge of lending guidelines, investor overlays, and secondary market trends, including Fannie Mae, Freddie Mac, FHA, and VA.
Provide excellent customer service.
Comply with SAFE Act requirements, including proper and timely registration on the NMLS Registry.
Perform other duties as assigned.