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Central Bank & Trust Co. · 10 hours ago

Mortgage Lending Officer, Louisville, KY

Louisville, KY

Full-time

Onsite

Mid Level

3+ years exp

Central Bank & Trust Co. is an equal opportunity employer, and they are seeking a Mortgage Lending Officer. The role involves originating various types of mortgage loans, counseling applicants, and ensuring compliance with lending guidelines while maintaining excellent customer service.

BankingFinancial Services

Hiring Manager

Janette Hodges, SHRM-CP

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

Qualification

Loan origination softwareLoan productsCredit analysisNumerical analysisAttention to detailCustomer serviceCommunication skillsProblem solvingTime managementInterpersonal skills

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

Five years' banking experience with 3 years being within the secondary market in lending and/or mortgage origination

Proven strength and solid experience in sales

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