Home Lending Center Loan Officer

Job title: Home Lending Center Loan Officer

About the Role The Home Lending Center (HLC) Loan Officer (LO) assists clients with the origination of residential mortgage loans, offering analysis and advice on home lending solutions that align with clients' financial goals. This role involves developing referral sources to grow KeyBank's home lending business and client base. The HLC LO is expected to meet or exceed sales goals while maintaining high standards of client satisfaction and loan quality.

What You'll Do

• 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 KeyBank’s clients and KeyBank.

What We're Looking For

• Bachelor's Degree in Business related field or equivalent experience (preferred)
• 1+ years Mortgage sales (required)
• 1+ years Mortgage processing experience (preferred)
• 1+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
• 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

Nice to Have

• Bachelor's Degree in Business related field or equivalent experience (preferred)
• Mortgage processing experience (preferred)
• Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)