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:

o Associate's degree (or commensurate hours) with three years' experience in secondary market lending and/or mortgage origination

o 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

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.