KeyBank · 5 days ago
HLC Loan Officer
Brooklyn, OH
Full-time
Hybrid
Entry Level
1+ years expKeyBank is a national association that provides various financial services, and they are seeking an HLC Loan Officer to assist clients with residential mortgage loans. This role involves developing client relationships, processing loan applications, and ensuring high standards of client satisfaction while meeting sales goals.
Banking
Responsibilities
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
Qualification
Required
1+ years Mortgage sales
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
Preferred
Bachelor's Degree Business related field or equivalent experience
1+ years Mortgage processing experience
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
Benefits
Eligible to earn commission and deferred incentive compensation
Company
KeyBank
At KeyBank we’ve made a promise to our clients that they will always have a champion in us.
10001+ employees
Funding
Current Stage
Late StageLeadership Team
Chris Gorman
Chairman, Chief Executive Officer, and President, KeyCorp
Holly Santoro
Executive Administrator to the Chairman & CEO
Recent News
2023-08-28
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