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Central Bank & Trust
Mortgage Lending Officer, Louisville, KYCentral Bank & Trust • Louisville, KY, United States
Mortgage Lending Officer, Louisville, KY

Mortgage Lending Officer, Louisville, KY

Central Bank & Trust • Louisville, KY, United States
30+ days ago
Job type
  • Full-time
Job description

Mortgage Loan Originator

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)
  • 4. Provides excellent customer service.
  • 5. Complies with all requirements of the SAFE Act including proper and timely registration on the NMLS Registry.
  • 6. Performs other duties as assigned.
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Mortgage Lending Officer, Louisville, KY • Louisville, KY, United States

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