BankOnBuffalo, Mortgage Lending Officer, Hybrid
About The Position
The Mortgage Lending Officer supports Senior Retail Lenders and divisional leadership by providing guidance on mortgage products, pricing and complex loan structures, including construction lending. This role provides direction and support to the Mortgage Business Analyst, LOS Administrator, and Senior Mortgage Underwriter, ensuring alignment across lending, underwriting, and secondary market requirements. This role is also responsible for ongoing seller/servicer eligibility through coordination with investor and compliance partners. This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Requirements
- A high school diploma or general education degree (GED) is required
- 5+ years of experience
- Extensive knowledge of Investor guidelines and Regulatory requirements
- Ability to read, comprehend, and interpret documents.
- Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.
- Ability to communicate to clients directly and effectively.
- Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
- Prior experience and proficiency of LOS systems such as Empower, including reviewing complete electronic loan files, tracking conditions, documenting underwriting decisions, and managing workflow efficiently.
- Ability to add, subtract, multiply, and divide in all units of measure.
- Demonstrates advance mathematical aptitude to accurately calculate and analyze loan-to-value, debt-to-income ratios across a full range of loan types and borrower profiles.
- Applies strong financial analysis and judgement to assess risk, identify compensating factors, and support sound credit decisions within investor and regulatory guidelines.
Nice To Haves
- Mortgage Products & Structuring Expertise- Demonstrates advance knowledge of mortgage products, pricing and complex loan structures to support sound, compliant lending decisions.
- Functional Leadership & Alignment- Provides effective direction and support to key mortgage support functions to ensure consistent alignment across lending, underwriting, and secondary market requirements.
- Secondary Market Governance- Maintains secondary market readiness by ensuring ongoing seller/servicer eligibility and coordinating effectively with investor and compliance partners.
- Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role.
- Set stretch assignments and cross functional opportunities that foster growth and learning.
Responsibilities
- Provide product, pricing, and loan-structure guidance
- Provide direction and functional oversight to Mortgage Business Analyst, LOS Administrator and Senior Mortgage Underwriter
- Compliance & Regulatory Adherence
- Serve as a liaison across lending, underwriting and compliance
- Monitor and support secondary market readiness
- Identify process, system, or policy improvement opportunities
- Provide strategic oversight and leadership for all mortgage lending functions across Portfolio, Agency and Home Equity Lending.
- Drive consistency through clear policies, procedures, and escalating pathways.
- Establish lending standards that align with institutional risk appetite while supporting responsible loan growth.
- Act as final or designated credit authority for complex, high-risk, or policy exception requests.
Benefits
- Medical, Dental, Vision & Life Insurance
- 401K with company match
- Paid Time Off & Recognized Holidays
- Leave policies
- Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
- Employee Assistance Program
- Employee Health & Wellness Program
- Special Loan and Deposit Rates
- Gradifi Student Loan Paydown Plan
- Rewards & Recognition Programs and much more!
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
