Mortgage Loan Officer - Rochester, NY

Job Summary

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.

Essential Functions

• Possess a Bachelor's Degree in a business-related field or equivalent experience (preferred)
• Have 3+ years of experience as a loan officer in 1st mortgage production (preferred)
• Have 3+ years of working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
• Possess excellent communication skills, both written and verbal
• Show strong customer service skills
• Show proficiency in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management
• Show strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions
• 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

Education and Experience

Bachelor's Degree in a business-related field or equivalent experience (preferred)

3+ years Experience as a loan officer in 1st mortgage production (preferred)

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 (preferred)

Skills

• 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
• 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

Physical Demands

General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.

Driving Requirements

May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.

Compensation and Benefits

This position is eligible to earn commission and deferred incentive compensation. In addition to commission, this position is compensated at a fixed hourly rate draw of $15.50 hourly. Please click here for a list of benefits for which this position is eligible.

Job Posting Expiration Date

08/01/2026