Mortgage Loan Officer

KeyBank•Mahopac, NY

9d•Onsite

About The Position

The Mortgage Loan Officer assists clients with the origination of residential mortgage loans by providing analysis and advice on home lending solutions that meet their needs and financial objectives. The role develops referrals to grow Key’s home lending business and client base, and is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality. The position works in a branch environment, providing in-person client services four or more days per week. It may involve driving to multiple locations in a single day. Duties and responsibilities may change or new duties may be assigned at any time, with or without notice.

Requirements

Bachelor’s degree in a business-related field or equivalent experience is preferred.
Three or more years of experience as a loan officer in first-mortgage production is preferred.
Three or more years of working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, and local and state real estate and finance laws is preferred.
Excellent written and verbal communication skills.
Strong customer service skills.
Proficiency in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
Strong financial acumen, including understanding clients’ business priorities, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
Ability to navigate the home mortgage process from application to closing and advise on interest rates and repayment terms.
Valid driver’s license and ability to operate a motor vehicle if driving to multiple locations is required.
Ability to communicate face-to-face and by phone with teammates and clients.
Ability to use a PC or laptop frequently; occasional lifting, pushing, or pulling of backpacks or computer bags up to 10 pounds.

Nice To Haves

Bachelor’s degree in a business-related field or equivalent experience.
Three or more years of experience as a loan officer in first-mortgage production.
Three or more years of working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, and local and state real estate and finance laws.

Responsibilities

Prospect home lending business to build and develop new client loan originations and relationships.
Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
Provide clients with detailed information about mortgage options, interest rates, and terms to support informed decisions.
Gather documents when registering a loan and remain the primary client point of contact during the loan process.
Maintain high standards of client satisfaction and loan quality, ensuring sales/originator systems and workflows are efficiently controlled.
Develop and maintain knowledge of KeyBank products, services, and competitive offerings.
Maintain proficiency in sales/originator systems and develop efficient workflows.
Keep informed of trends and developments in the real estate market and mortgage industry.
Provide in-person client services in a branch environment four or more days per week, including participating in morning huddles and end-of-day debriefs on targeted days.
Comply with KeyBank policies and procedures, conduct business ethically, avoid conflicts of interest, and act in the best interests of clients and Key.
Perform other duties as assigned.
Generate new mortgage business and manage the loan origination process from initial application through closing.
Build partnerships with real estate agents and financial advisors.
Drive to multiple locations in a single day if needed.