Mortgage Lending Officer (commission), Richmond Main

ADP, Inc.; Lexington (KY); Presencial; USD 55.000 - 85.000; Jornada completa

Descripción de la vacante

Central Bank in Lexington, KY seeks a full-time Mortgage Officer with commission. The role originates conventional, FHA, RHS, and VA loans, counseling applicants, assembling and reviewing documentation, and ensuring compliance for secondary market sales.

Ideal candidates have strong sales experience, knowledge of loan products, underwriting, and credit analysis, plus proficiency with loan origination software. Must handle multiple files with high attention to detail.

Formación

• Strong sales experience in banking or mortgage lending.
• Proficient with loan origination software and financial analysis.
• Excellent communication and customer service skills.
• Ability to manage multiple files with high attention to detail.

Responsabilidades

• Originates mortgage loans including counseling applicants on programs, requirements, and terms.
• Prepares and reviews loan applications, disclosures, and supporting docs for accuracy and compliance.
• Collects and analyzes financial/credit information to assess eligibility and pricing.
• Collaborates with processors, underwriters, and closers to ensure timely processing through funding.
• Solicits business through realtors, builders, and other referral sources.
• Documents loans in compliance with Central Bank and investor guidelines (FNMA, Freddie Mac, FHA, VA).
• Keeps up-to-date knowledge of lending guidelines, overlays, and market trends.

Conocimientos

Verbal communication

Written communication

Customer service

Numerical analysis

Time management

Organization

Educación

Associate’s degree / commensurate hours

Five years banking with 3 years secondary market experience

Herramientas

Loan origination software

Descripción del empleo

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Central Bank Mortgage Officer with Commission Full-Time Lexington, KY, US

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities

JOB SUMMARY:

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

EDUCATION/EXPERIENCE REQUIRED:

• 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:

1. 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

2. Documents mortgage loans in compliance with Central Bank, investors, FNMA and Freddie Mac guidelines.

3. Maintains up-to-date knowledge of lending guidelines, investor overlays, and secondary market trends (Fannie Mae, Freddie Mac, FHA, VA)

5. Complies with all requirements of the SAFE Act including proper and timely registration on the NMLS Registry.