Home Lending Center Loan Officer

KeyBank; Cincinnati (OH); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Commission & incentives

Job summary

KeyBank is seeking a Home Lending Center (HLC) Loan Officer responsible for originating residential mortgage loans and advising clients on home lending options. You will build referrals, manage the loan process, and maintain high satisfaction and loan quality.

Requirements include a business-related bachelor's degree and 1+ years in mortgage sales; strong communication and knowledge of mortgage products are essential. Hybrid work is offered with an emphasis on in-office collaboration.

Qualifications

• Bachelor's degree in business-related field or equivalent experience preferred.
• 1+ years Mortgage sales experience required; 1+ years Mortgage processing experience preferred.
• Knowledge of FNMA/FHLMC/FHA/VA guidelines, ECOA, RESPA, and local real estate laws preferred.

Responsibilities

• Prospect and develop client relationships and loan originations through referrals and centers of influence.
• Originate and process target number of family residential real estate mortgage transactions.
• Provide clients with detailed information about mortgage options, rates and terms.
• Gather documentation at loan registration and serve as primary contact throughout the loan process.
• Maintain high client satisfaction and loan quality; use sales/originator systems efficiently.
• Develop knowledge of KeyBank products and market offerings.
• Stay informed on real estate market trends and mortgage industry developments.

Skills

Excellent communication

Customer service orientation

Outbound calling

Sales/originator systems

Risk assessment

Regulatory compliance

Mortgage product knowledge

Relationship building

Time management

Negotiation

Education

Bachelor's Degree Business related field

Tools

FNMA/FHLMC/FHA/VA guidelines

Loan origination systems

Job description

Location: 301 East Fourth Street, Cincinnati Ohio

Job Summary

The Home Lending Center (HLC) Loan Officer (LO) assists clients with the origination of residential mortgage loans, offering analysis and advice on home lending solutions that align with clients' financial goals. This role involves developing referral sources to grow Key's home lending business and client base. The HLC LO is expected to meet or exceed sales goals while maintaining high standards of client satisfaction and loan quality.

Essential Functions

Prospect and develop new client relationships and loan originations through internal referrals and external centers of influence.

Originate and process targeted number of family residential real estate mortgage transactions in line with Home Lending guidelines.

Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.

Gather necessary documentation at loan registration and serve as the primary client contact throughout the loan process.

Maintain high standards of client satisfaction and loan quality, ensuring efficient use of sales/originator systems and workflows.

Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.

Stay informed on real estate market trends and mortgage industry developments.

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.

Education

Bachelor's Degree Business related field or equivalent experience (preferred)

Work Experience

1+ years Mortgage sales (required)

1+ years Mortgage processing experience (preferred)

1+ years A 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 written and verbal communication

Strong customer service orientation

Ability to prioritize and manage multiple tasks

Proficiency in outbound calling

Proficiency in sales/originator systems and workflow management

Ability to assess borrower risk by analyzing credit, income, assets, and property data to ensure compliance with lending guidelines and risk standards.

Proficiency in initiating and processing loan applications, including gathering documentation, evaluating eligibility, and coordinating with stakeholders through closing.

Experience in generating new mortgage business through client engagement, pre-qualification, and application support, ensuring adherence to regulatory and internal policies.

Knowledge of the full mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures.

Understanding of mortgage loan products, structures, and repayment terms, with the ability to guide borrowers through financing options and obligations.

Skill in promoting mortgage products, building client relationships, and meeting sales targets through consultative selling and market awareness.

Expertise in providing financing solutions for residential or commercial real estate, including risk assessment, loan structuring, and regulatory compliance.

Capability to evaluate loan applications by analyzing financial statements, credit reports, and collateral to determine creditworthiness and repayment ability.

Familiarity with Federal Housing Administration (FHA) loan programs, including eligibility criteria, documentation requirements, and underwriting guidelines.

Understanding of Fannie Mae guidelines and processes, including loan delivery, eligibility standards, and secondary market practices.

Core Competencies

All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.

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.

COMPENSATION AND BENEFITS

This position is eligible to earn commission and deferred incentive compensation.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date

01/08/2027

Equal Opportunity Employer

KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing [e-mail].

#LI-Hybrid

KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.