Mortgage Loan Officer - Hamburg, NY

KeyBank•Hamburg, NY

3d•$16•Hybrid

About The Position

The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality. The role involves working in a branch environment to provide in-person client services 4+ days/week, including participating in morning huddles and end-of-day debriefs on targeted days. Employees are expected to comply with all KeyBank policies and procedures, acting professionally, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.

Requirements

Excellent communication skills, both written and verbal.
Strong customer service skills.
Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.

Nice To Haves

Bachelor's Degree in a business-related field or equivalent experience
3+ years Experience as a loan officer in 1st mortgage production
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, 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 various mortgage options, interest rates, and terms to help them make informed decisions.
Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
Maintain proficiency on sales/originator systems and develop efficient workflows.
Keep informed of trends and developments in the real estate market and mortgage industry.
Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Generate new mortgage business and manage the loan origination process from initial application through to closing.
Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
Build partnerships with real estate agents and financial advisors.