Mortgage Loan Officer
About The Position
The Mortgage Loan Officer assists clients with the origination of residential mortgage loans, providing analysis and advice on home lending solutions that meet clients’ 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 and provides in-person client services four or more days per week. This includes participating in morning huddles and end-of-day debriefs on targeted days. The employee must 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. Duties may change or be assigned at any time, with or without notice.
Requirements
- 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 clients on interest rates and repayment terms.
- Ability to operate a motor vehicle with a valid driver's license; the role may require driving to multiple locations in a single day.
- Ability to perform general office work involving prolonged sitting, face-to-face or phone communication, and frequent use of a PC/laptop; occasional lifting, pushing, or pulling of bags up to 10 lbs.
Nice To Haves
- Bachelor’s degree in a business-related field or equivalent experience.
- 3+ years of experience as a loan officer in first-mortgage production.
- 3+ years 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 for 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 information about mortgage options, interest rates, and terms to support informed decisions.
- Gather documents when registering a loan and serve as the primary client contact throughout the loan process.
- Maintain high standards of client satisfaction and loan quality, and ensure 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 about 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.
- Perform other duties as assigned and comply with KeyBank policies and procedures.
- Generate new mortgage business and manage loan origination from initial application through closing.
- Build partnerships with real estate agents and financial advisors.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
