What are the responsibilities and job description for the Mortgage Lending Officer, Louisville, KY position at Central Bank & Trust Co.?
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:
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
- 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
- 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.