Mortgage Lending Officer, Northern KY
Central Bank & Trust Co. · Florence, KY · 5 mo ago
SalesFull-time
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.