Mortgage Lending Officer, (commission) Nicholasville

Job Summary

Originates conventional, FHA, RHS, and VA loans to include Kentucky Housing and other special bond issue mortgage loans.

Qualifications/Requirements

• Must meet one of the following:
  • Associate’s degree (or commensurate hours) with three years’ experience in secondary market lending and/or mortgage origination that includes government lending
  • Five years’ banking experience with 3 years being within the secondary market in lending and/or mortgage origination that includes government lending
• Proven strength and solid experience in sales

Qualifications/Skills Required

• Good personal computer skills, to include Word and Excel software
• Excellent verbal and written communication, problem solving, organization, time management, interpersonal skills, and customer service
• Skilled in numerical analysis and deductive reasoning
• Proficient in loan origination software
• Strong understanding of loan products, underwriting, and credit analysis
• High level of attention to detail and ability to manage multiple files simultaneously

Essential Job Duties and Responsibilities

• Originates mortgage loans which includes but not limited to:
• Counseling applicants on available loan programs, qualifying requirements, and terms
• Preparing and reviewing loan applications, disclosures, and supporting documentation for accuracy and compliance for all types of mortgage loans to be sold on the secondary market
• Collecting and analyzing financial and credit information to determine borrowers’ eligibility for loan products, appropriate structure, and pricing
• Working closely with processors, underwriters, and closers to ensure timely and accurate loan processing through funding
• Soliciting business through realtors, builders, and other sources of potential mortgage loan business
• Documents mortgage loans in compliance with Central Bank, investors, FNMA and Freddie Mac guidelines
• Maintains up-to-date knowledge of lending guidelines, investor overlays, and secondary market trends (Fannie Mae, Freddie Mac, FHA, VA)
• Provides excellent customer service
• Complies with all requirements of the SAFE Act including proper and timely registration on the NMLS Registry
• Performs other duties as assigned