Loan Processor Jobs in Kentucky

BASIC FUNCTION: Develops new business and expands existing relationships in both the Ag Segment and Country Mortgage Segment. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve Association-established goals. Maintains knowledge of Association products and services as well as knowledge of the industries in the market area served. Explains loan options, rates, loan fees, terms, and collateral requirements to loan prospects. Maintains effective supervision of loans through sound loan administration to ensure Association position. Seeks a high level of visibility to the target lending market within the assigned territory. Markets the Association by being a source of referrals for the other lending segments of the Association. Promotes financially related services to all current and prospective members. REPORTS TO: Regional Lending Manager SUPERVISES: None MINIMUM QUALIFICATION: EDUCATION: Bachelor's degree in business administration, Ag Economics, Agriculture, Finance or related field EXPERIENCE: Must be knowledgeable in areas of farm management and agricultural finance. SENSORY AND PHYSICAL REQUIREMENTS: Must have the ability to read documents from many sources. Must be able to communicate audibly in and with staff, customers, and the general public. DESIRABLE QUALIFICATIONS: - Knowledge of laws, regulations, principles, procedures, and credit practices in the Farm Credit System and the Association; - Mortgage finance knowledge preferable. - Skill in making sales calls and proposals for new business. Superior knowledge of Association products; - Excellent skills in judgment, leadership, initiative, and organization - Provides referrals to other lending segments - Performs other duties as assigned RESPONSIBILITIES (the essential responsibilities of the position include, but are not limited to): "Employees have the responsibility to comply with Standards of Conduct, Privacy, IT Security, etc." 60% 1. Develops new business and expands existing relationships in both the Ag Segment and Country Mortgage Segment. Calls on potential customers, identifies credit needs, secures financial data for analysis, and makes proposals for new business. Makes sales calls to achieve individually established goals. Maintains knowledge of association products and services as well as knowledge of the industries and market area served. Explains loan options, rates, loan fees, terms, and collateral requirements to loan prospects. Makes credit decisions on loans under delegated authority. Recommends actions beyond delegated authorities. Works with the Regional Lending Manager to remain within the marketing budget. 40% 2. Ensures loans are originated and administered in a sound, constructive manner and in accordance with Farm Credit System and Association regulations. All loan actions are adequately evaluated in terms of eligibility and scope, ability to repay as well as any other risk factors. The accuracy and source of facts utilized to arrive at the loan decision are appropriately explained and documented. Maintains effective supervision of loans to ensure the Association's position. Monitors customer financial situation, loan performance, and repayment process. Takes appropriate corrective action as necessary. Average pricing for all loans should yield the maximum gross profit achievable, taking into consideration the market conditions/characteristics for their respective areas.

Full-time Description Canopy Mortgage is hiring a full-time Branch Managers and Loan Originators who want the control of a banker with great pricing. Candidates will be responsible for developing referral partners in his or her local territory, generating loan volume and interfacing with the borrower. We need originators who have a passion for challenging the status quo, want to be digitally relevant, and take control of their local market. We've been revolutionizing the mortgage process for the last 10 years by building proprietary systems that increase efficiencies across the entire life of the loan, enabling our teams to do more volume with less effort. This is a totally new and unique opportunity in the mortgage industry that will give you state of art proprietary systems, great pricing, and complete control of your loans with in-house underwriting and funding. This opportunity is full-commission for seasoned LO's who want to produce with the aid of industry leading tech and support. If your tired of legacy costs, middle management, and non-producers driving up your loan pricing, apply today. Hiring Loan Officers licensed in every state except New York. Requirements Minimum 2 years' experience and NMLS Safe Act compliant 1 active state license Established contacts/referral partners Knowledge of different types of loans and credit bureaus Working history of loan process and general underwriting guidelines Funding 1 million in self-generated production College preferred, not required with proven mortgage experience Proven track record of proactively soliciting new business Strong communication skills and detail oriented Ability to work independently and remote

Job Details Bank of Lexington Malabu - Lexington, KYDescription This is not a remote position. We are looking for an experienced loan processor who has been processing Consumer and Commercial loans. is an hourly position with working times 8:00 am - 5:00 pm Monday- Friday. Qualifications We currently use Laser Pro, Encompass and Jack Henry. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Performs routine operational duties related to residential, construction and commercial mortgage loans in compliance with the Bank's policies, procedures and related laws, rules, and regulations. Works with mortgage and title companies, appraisers, real estate agents and other real estate industry professionals as directed. Assists mortgage loan officers in the loan application process as directed; follows up on obtaining necessary information and documentation from applicants; coordinates the ordering of credit reports, flood zone determinations and UCC filings; and performs title searches, etc. Originates loan documentation and onboards loans; conducts loan funding and processes payments or advances as directed; distributes daily and monthly reports. Assures compliance with all bank policies and procedures as well as all applicable state and federal banking regulations. Carry out such other duties as may be assigned or requested.

As a Mortgage Loan Processor, your day will be filled with opportunities to process mortgage loans to ensure investor and customer requirements are met. Loan processing experience and good communication skills are important to better serve our customers as you work closely with all parties involved to create and maintain complete customer satisfaction. In addition to the candidate's experience, Stock Yards Bank & Trust will provide a professional environment to continually improve the candidate's skills and to further his/her career goals for advancement to higher levels within the banking profession. Responsibilities Daily responsibilities include, but are not limited to, the following: * Gather and interpret data that support mortgage loan request, such as automatic underwriting findings, credit reports, income and asset documentation, appraisals and other requirements * Analyze information for completeness, accuracy and acceptability of investors' loan product * Submit complete loan packages to underwriter for review * Develop ability to maintain timely processing of a loan package from receipt of file to closing with maximum timelines of 30 days for conventional loans and 45 days for government loans * Aware of product requirements to have the ability to negotiate the necessity of approval conditions that could be deemed unnecessary and a hardship to the customer to produce * Develop and maintain up-to-date knowledge of FHA, VA, Conventional and Bank's guidelines, rules and regulations pertaining to generating an acceptable mortgage loan * Keep all parties involved with the mortgage transaction current and up-to-date with the status of the loan during the review process * Ability to provide complete and accurate HMDA reporting information * Perform other departmental duties as workload and priorities dictate * Assist other mortgage department personnel when necessary Job Requirements The successful candidate will have the following qualifications: * High school/GED education * 2+ years' experience in FHA, VA, Conventional mortgage processing or underwriting. * Ability to function independently in a multi-task environment, as well as part of a team * Comfortable communication with all levels of management and employees * Proven knowledge of Automatic Underwriting Systems and Mortgage Processing Systems * Proven knowledge and experience pertaining to the processing of conventional and government loans * PC literacy with 35 WPM typing skill * Strengths in problem solving and resolution * Detailed oriented and self-motivating * Strong planning and organizational skills * Good oral and written communication skills Benefits * 401(k) with a company match of up to 6% * ESOP employer match * Medical insurance * Dental insurance * Vision insurance * Cancer / Disease insurance * Accident insurance * Flexible Spending Accounts * Health Savings Accounts * Bank paid Life / AD& D insurance * Voluntary Life / AD&D insurance * Bank paid Short-Term and Long-Term Disability insurance * Employee Stock Purchase Plan * Employee Assistance Program Physical Requirements The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position requires sitting the majority of the time with limited walking and standing. Must be able to see, hear, speak, grasp paperwork, and type. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate.

Are you ready to join a team that is committed to hardworking Kentuckians? If so, Abound Credit Union might be the place for you! We are driven by our selfless dedication to members and community. We create a connected , learning-driven , and fun environment that fuels our passion to inspire financial wellness. We do that by sharing our knowledge, strength, and accessibility to provide market-leading value that makes more possible for our members. Here at Abound Credit Union, culture is a big deal. We roll up our sleeves each day to make this an awesome place to work. We want to bring great things to our communities, be awesome to each other, ready for whatever comes our way, and are hungry to learn and grow as people and professionals. Our best is built from the inside out. Abound Credit Union is now hiring friendly, enthusiastic, and just overall awesome personalities to provide support in processing and closing real estate mortgage loans. What You ll Do: Serve as a contact for the member during mortgage processing. Collect documentation needed to complete mortgage file from member. Perform required verifications needed for mortgage files. Analyze and prepare files for final review and approval meeting secondary market guidelines. **Full job description will be provided if you are selected for an interview. What We Need: Minimum of a high school diploma or equivalent. Ability to successfully complete and pass NMLS licensing requirements. A desire to present life changing, money saving opportunities to our members / potential members. Self-motivated and enthusiastic with a willingness to support others on your team. Maintain a professional and friendly demeanor. Our Benefits: Great Salary Pension Health, Dental, Vision and Other Insurance Coverage Paid Personal Time Off Paid Holidays Life Insurance Short and Long-Term Disability 401(k) with matching funds Tuition Reimbursement HSA, FSA, and Dependent Care Spending Accounts Salary Info: $19.06 - $23.83 / hour

Are you ready to join a team that is committed to hardworking Kentuckians? If so, Abound Credit Union might be the place for you! We are driven by our selfless dedication to members and community. We create a connected, learning-driven, and fun environment that fuels our passion to inspire financial wellness. We do that by sharing our knowledge, strength, and accessibility to provide market-leading value that makes more possible for our members. Here at Abound Credit Union, culture is a big deal. We roll up our sleeves each day to make this an awesome place to work. We want to bring great things to our communities, be awesome to each other, ready for whatever comes our way, and are hungry to learn and grow as people and professionals. Our best is built from the inside out. Abound Credit Union is now hiring friendly, enthusiastic, and just overall awesome personalities to provide support in processing and closing real estate mortgage loans. What Youll Do: * Serve as a contact for the member during mortgage processing. * Collect documentation needed to complete mortgage file from member. * Perform required verifications needed for mortgage files. * Analyze and prepare files for final review and approval meeting secondary market guidelines. Full job description will be provided if you are selected for an interview. What We Need: * Minimum of a high school diploma or equivalent. * Ability to successfully complete and pass NMLS licensing requirements. * A desire to present life changing, money saving opportunities to our members / potential members. * Self-motivated and enthusiastic with a willingness to support others on your team. * Maintain a professional and friendly demeanor. Our Benefits: * Great Salary * Pension * Health, Dental, Vision and Other Insurance Coverage * Paid Personal Time Off * Paid Holidays * Life Insurance * Short and Long-Term Disability * 401(k) with matching funds * Tuition Reimbursement * HSA, FSA, and Dependent Care Spending Accounts Salary Info: $19.06 - $23.83 / hour

If you're looking for an exciting career in the ever-evolving agriculture industry and want to help improve rural America in our local community, Central Kentucky Ag Credit might be the place for you. We are looking for someone to join our lending team at our office in Lexington, Kentucky. Employees are eligible for medical, dental, vision, and life insurance, a generous 401K match, and a vacation and sick accrual schedule that can compete with any organization. Central Kentucky Ag Credit employees generally do not work weekends, evenings, and are off on 12 holidays each year. Central Kentucky Ag Credit is part of the Farm Credit System, which is a nationwide network of cooperative lending institutions that provide credit and financially related services to farmers, ranchers and their cooperatives. With more than 100 years of agricultural lending experience, the System is the largest single producer of agricultural credit in the United States. The cooperative structure of Central Kentucky Ag Credit allows farmer-borrowers to own and control the Association and keeps the Association committed to serving rural credit needs. This is an important feature that sets the Association apart from most other commercial lenders. Loan Officer Trainee This team member will be involved in all aspects of the lending process for current and prospective customers throughout central Kentucky. This position will be accountable for the promotion and delivery of sound credit to customers in the central Kentucky area. The customer base is a diversified mix of beef cattle, equine, row crop and tobacco farms. Within delegated authority, the position is responsible for managing credit quality, credit administration and portfolio performance. This position will develop new business and work in a traditional branch structure to ensure that the needs of customers and prospects are met. Responsibilities Actively develops new business and expands existing relationships. Proactively researches customer needs to match to bank products and services. Is visible and involved in the communities we service. Manages the lending process for each customer from beginning to end - interviews applicants, analyzes financial and credit information, determines risk, and makes timely and accurate decisions. Communicates credit decisions to loan applicants. Services active loans in order to retain a high level of loan quality. Reviews the progress of each loan in their portfolio, communicates periodically with loan customers, reviews and inspects collateral, and monitors each loan's status. Provides sound guidance to customers when needed. Core Values: Candidate should be able to act as a self-starter, looks for new and improved procedures, and evaluates alternatives. Candidate should treat others with respect and fairness, value diversity, cooperate with fellow employees, and create a positive image. Candidate should be able to establish priorities, develop goals and plans, follow up on tasks, effectively manage their time, and meet deadlines. Candidate should be able to convey ideas and thoughts clearly and concisely, have effective professional writing skills, listen and seek to understand, and keep others informed. Candidate should be dependable, responsible, punctual, possesses and attention to detail, reliable, and act with integrity. Candidate should be willing to grow their knowledge of their role, the company, and others skills. Requirements: Bachelor's degree in business administration, agriculture, economics, finance, or related field Must possess strong analytical, judgment and communication skills Farm background with related practical experience and/or experience with a financial institution preferred Central Kentucky Ag Credit is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin, age, disability or veteran status. Central Kentucky Ag Credit maintains an environment where each individual is valued and respected. If you need assistance or accommodation due to a disability, you may email us at *****************.

Initiates the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate. Identifies and attracts new clients by networking with real estate agents, financial advisors, and past clients to generate referrals. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Establish and maintain a network of business relationships, consisting of real estate professionals, builders, etc. Meet with potential borrowers regarding their mortgage needs. Present bank's mortgage products and services that meet borrower's financial goals. Complete the borrower's application and analyze the borrowers financial and credit data. Lock rate per company and regulatory guidelines. Prepare or request all applicable loan documentation from the appropriate party or department. Work with Centralized Processing Department to ensure attorney and appraisal work is ordered and all documentation is handled professionally and efficiently. Maintain communication with the borrower regarding the loan status. Maintain thorough knowledge of lending programs, policies, procedures, and regulatory requirements. Service all in-house and secondary market loans in your portfolio. (all requests including, escrows, payments, payoffs, etc.) Interact with clients and internal partners daily to answer questions, solve problems, and deliver the highest-level of customer service. Assist clients with monthly billing and collections cycle. Monitor the status of delinquent payments and follow-up with clients on an ongoing basis, while also working with Debt Management on Collections. Work directly with other departments to resolve any issues or concerns with any customer in your portfolio. Other Duties Look for referral opportunities within the company (insurance, deposits, etc.). Other duties as assigned. Skills/Abilities Requires strong networking and interpersonal skills. Financial/quantitative skills. Attention to detail. Strong computer skills including Excel. Supervisory Responsibility This position does not have supervisory responsibilities. Work Environment This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary. Travel Local travel is required for this position. Education and Experience Must be registered with NMLS Federal Registry. Minimum of two years residential mortgage lending experience. A four-year college degree is preferred. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Equal Opportunity/Affirmative Action Employer M/F/disability/protected veteran status

WHITAKER BANK DESCRIPTION The position of Mortgage Loan Closer is responsible for preparing, reviewing, and verifying all the necessary documents required for portfolio mortgage loan and home equity line of credit closings. Works closely with the Lender and Settlement Agent/Attorney to ensure everyone involved has the most up to date information in a timely fashion. Responsible for sending loan proceeds to the Settlement Agent/Attorney on the morning of the disbursement and processing all GL tickets. Reviews all closed loan packages for accuracy and works with other areas of the department to ensure loans are closed with enough time to disburse and board within the lock period. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. ESSENTIAL DUTIES Prepares all loan closing documents within the Loan Production Software (Encompass) Manages a pipeline of portfolio loans and home equity lines of credit for closing preparation. Completes an accurate and compliant pre-closing disclosure to be provided to the borrower with the TRID timing guideline requirements and monitors the borrower's receipt of the pre-closing disclosure. Completes an accurate and compliant final closing disclosure to be provided to the borrower within the TRID timing guideline requirements. Reviews loan file for accuracy and ensures the accuracy of documents sent to closing, including but not limited to borrower names, rate, term, and loan type, first payment date, and escrow information. Reviews underwriting closing conditions to ensure adherence to the loan approval and analyzes and interprets the MAVENT compliance report prior to finalizing closing document package. Prepares closing loan document package for delivery to the Settlement Agent or Loan Officer in a timely fashion. Completes post-closing review of all closed loan packages for accuracy and completeness. Operates computer terminal or personal computer to process loan activity, determine balances, and resolve problems within given authority. Types routine letters, reports and forms. Completes online compliance training as assigned and required. Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. You are to conduct yourself professionally and as a bank representative while at work and in public. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. SECONDARY DUTIES The position of Mortgage Loan Closer-Residential Lending performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Mortgage Loan Closer-Residential is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced loan department personnel. The incumbent in this position may perform duties in the absence of the Department Supervisor. ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. The position includes driving a Bank or personal owned vehicle approximately one percent of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to ten pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching. The incumbent for this position may operate any or all of the following: telephone, cellular telephone, copy and fax machines, adding machine (calculator), scanner and image systems, encoder, typewriter, personal computer and related printers, or other equipment as directed. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. High school diploma or equivalent is required; minimum of two-years related experience and/or training. Work-related experience should consist of a mortgage loan closing background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Intermediate level of work experience, knowledge and training in preparing and understanding Closing Disclo

Our goal is to be an Employer of Choice, and it takes all of us to achieve this. That's why all Commonwealth Credit Union team members are expected to live our Team 1 culture in all facets of their position. This includes our commitment to Diversity, Equity, Inclusion, Accessibility, and Belonging. At Commonwealth Credit union, we are united in our Common Purpose to Better Lives through OUR PASSION to Serve. This includes everyone, from our team members to the people in the communities we serve. That's the emphasis of our Team 1 Culture. Together Everyone Achieves More. We believe We Better Lives when we cultivate diversity, promote equity, foster inclusion, are intentional about accessibility, and provide an environment where everyone feels like they belong. That's an Extraordinary Experience. That's Bettering Lives. That's Team 1. The Commercial Loan Specialist provides administrative and technical support to our Commercial Services team. This position requires strong administrative and written/verbal communication skills, and attention to detail. Proficiency in multiple software programs, such as Microsoft Word, Excel, and other industry-specific software programs (Symitar, LaserPro, Synergy, Servicing Director, SmartSheet) is also required. The Commercial Loan Specialist responds to member inquiries on commercial lending and refers such inquiries to appropriate parties when needed. They participate in the loan origination process by ordering and reviewing third-party work, such as flood determination, collateral appraisals, etc. They are involved in portfolio management by tracking loans for the annual review process and maintaining appropriate records. The Commercial Loan Specialist is responsible for the month-end report package sent to management, committees, and the Board of Directors. They are responsible for preparing, organizing, and archiving documents for our participation and direct commercial lending program. They complete loan denials and withdrawals, as assigned. They conduct pre- and post-closing loan audits. They track insurance coverage on commercial real estate loans, as well as exceptions for closed loans. They perform additional duties and activities, as needed, and may be asked to work extended hours. The duties and responsibilities of a Commercial Loan Specialist include, but are not limited to: Maintaining proper documentation for the daily operation of the department, such as gathering data for new requests and annual reviews. Verifying that CCU's lien position on all collateral is solidified with appropriate lien filings recorded and maintained. Able to effectively plan and handle multiple duties concurrently, adjusting to fluctuating work volume and job demands. Providing prompt and courteous member service for all internal and/or external member requests. This includes responding to member inquiries and questions from attorneys and appraisers. Assisting in project management and data analysis when required. Complying with all internal policies and procedures, and all laws and regulations pertaining to commercial lending, specifically ECOA, Fair Lending, HMDA, and Regulation B. Completing required educational classes and training, ensuring compliance with applicable regulations, and keeping up with changing regulations impacting commercial lending. Some Saturday hours may be required.

We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Consumer Loan Specialist assists both new and existing customers in the lending process. This position is a terrific opportunity to start your career and learn about consumer finance! Our team is goal driven and always strives for business growth, increased sales, and controlled delinquency. If you are self-motivated, career oriented, and energized by delivering good customer service and hitting sales goals, then check out this opportunity! Benefits: Earn monthly bonuses Medical, dental, and vision insurance effective day 1 401K with some company match Paid Time Off Employee Relief Fund Hourly: $15.75 - $21.00 The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday. Why you would love to work here: "I joined Heights Finance in 2010 as a CSR, with no prior experience in finance. Little did I know that this role would pave the way for a fulfilling career! Heights Finance genuinely values its team members and takes pride in promoting from within. Today, I am proud to serve as a District Manager, a position I moved into in 2021 - Also, a testament to the growth opportunities the company provides. The company offers excellent benefits, a set schedule that promotes work-life balance, and supportive leadership that ensures every team member feels valued. The company, also fosters an open culture, encouraging team members to share their ideas and suggestions. I truly love working here and am grateful for the incredible opportunities Heights Finance has provided." ~ Ashley S., District Manager - Alabama "Since joining Heights Finance as a Branch Manager in 2013, I have enjoyed the benefit of internal transitions and promotions on multiple occasions. Transitioning from my original branch to a larger branch in a different demographic, to a middle-sized branch in a combination of demographics, assisted me with being prepared to take the next step in my career. As a result, of these experiences, I was qualified for a District Manager position in 2021. In 2024, I made a career change and with the support of my VPO, I was able to move into an Operations Trainer. During each transition, my supervisors worked to ensure I had the training, tools, and support needed to be successful and the level of camaraderie amongst my peers was unparalleled." ~ Jessica W., Operations Trainer - United States Responsibilities What you will be doing: Greet and assist every customer in a professional manner Marketing for new loans to existing and new customers through solicitation calls Educate and upsell customers on all product offerings including loan options and insurance products Process loan applications to

Are you a goal-oriented individual? Are you looking to start your career at an industry-leading consumer finance organization with an award-winning service team that has ample opportunity for career growth? If you answered yes to these questions, our Consumer Loan Specialist position, sounds like a fit for you. Apply with Mariner Finance today! Consumer Loan Specialist Reports To Branch Manager FLSA Status Non- Exempt Schedule: Full-time, 40 hours Monday through Friday. Saturday hours required seasonally and as business needs require. Work hours will depend on the business hours of the time zone serviced. To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs. In This Role, You Will: Support branch operations by learning functions of consumer finance and demonstrating proficiency by meeting or exceeding your individual sales and delinquency targets/goals. You will primarily support sales and collections efforts of the branch through respectful, compassionate, and efficient customer service. Prepare to take on increasing responsibilities as you grow in this role and continue growing your career with Mariner Finance! Responsibilities and Essential Duties: Provide exceptional customer service by proactively solving problems, presenting loan solutions based on customer needs, and enthusiastically presenting all available sales products. Process credit loan applications. Analyze credit & financial information for current and potential customers. Proactively contact customers with past due balances to offer possible solutions and resolve delinquency. Achieve consistent results by meeting or exceeding expected individual and branch goals related to the sale of company products and services. Learn Federal, State, and Local Application Consumer laws to ensure compliant actions. Maintain a cash drawer, including processing payments and delivering daily deposits to specified financial institutions as required. May perform additional functions depending on market demand and branch staffing in order to provide consistent quality customer service. Required Qualifications: Minimum of one (1) year of experience in a customer service or sales position. High school diploma or equivalent. Reliable transportation required. Excellent written and verbal communication skills with the ability to communicate effectively with customers and company personnel. Working knowledge of Microsoft Office or similar programs with the ability to learn financial services programs. Ability to complete essential duties/functions in a timely, accurate manner. Demonstrated problem-solving skills and interpersonal skills in demanding situations. Must obtain applicable, required licenses to sell insurance products offered to customers by the branch. Must perform work related tasks at the assigned branch location except in the event of an emergency as determined by the company in consultation, as necessary, with applicable regulatory agencies. Preferred Qualifications: Cash Handling, selling and/or collecting experience. Some college coursework. Bilingual fluency in Spanish/English. Physical Demands: While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; operate computer and phone systems; and tal

We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Consumer Loan Specialist assists both new and existing customers in the lending process. This position is a terrific opportunity to start your career and learn about consumer finance! Our team is goal driven and always strives for business growth, increased sales, and controlled delinquency. If you are self-motivated, career oriented, and energized by delivering good customer service and hitting sales goals, then check out this opportunity! Benefits: Earn monthly bonuses Medical, dental, and vision insurance effective day 1 401K with some company match Paid Time Off Employee Relief Fund Hourly: $15.75 - $21.00 The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday. Why you would love to work here: "I joined Heights Finance in 2010 as a CSR, with no prior experience in finance. Little did I know that this role would pave the way for a fulfilling career! Heights Finance genuinely values its team members and takes pride in promoting from within. Today, I am proud to serve as a District Manager, a position I moved into in 2021 - Also, a testament to the growth opportunities the company provides. The company offers excellent benefits, a set schedule that promotes work-life balance, and supportive leadership that ensures every team member feels valued. The company, also fosters an open culture, encouraging team members to share their ideas and suggestions. I truly love working here and am grateful for the incredible opportunities Heights Finance has provided." ~ Ashley S., District Manager - Alabama "Since joining Heights Finance as a Branch Manager in 2013, I have enjoyed the benefit of internal transitions and promotions on multiple occasions. Transitioning from my original branch to a larger branch in a different demographic, to a middle-sized branch in a combination of demographics, assisted me with being prepared to take the next step in my career. As a result, of these experiences, I was qualified for a District Manager position in 2021. In 2024, I made a career change and with the support of my VPO, I was able to move into an Operations Trainer. During each transition, my supervisors worked to ensure I had the training, tools, and support needed to be successful and the level of camaraderie amongst my peers was unparalleled." ~ Jessica W., Operations Trainer - United States Responsibilities What you will be doing: Greet and assist every customer in a professional manner Marketing for new loans to existing and new customers through solicitation calls Educate and upsell customers on all product offerings including loan options and insurance products Process loan application

Job Details Corporate Offices - Lexington, KY Full Time High School $24.54 - $26.11 Hourly Day BankingDescription Title: Mortgage Loan Secondary Market Specialist Department: Mortgage Lending Reports To: Associate Vice President of Mortgage Lending Job Grade: 8 FLSA: Non-Exempt Last Modified: 3-14-2025 It's a Job … Only better! At UKFCU, we're more than a Credit Union - we're a community, and we've been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we're dedicated to making a real difference in the lives of our members and employees alike. If you're looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you! Why This Role Matters As a Mortgage Loan Secondary Market Specialist, you will play a vital role in ensuring that closed loans are efficiently delivered to investors or booked into the core system. Your expertise in mortgage processing, investor requirements, and compliance will help streamline operations, ensuring accuracy, regulatory adherence, and smooth transactions. Your work will support both internal teams and external stakeholders, directly impacting the efficiency and financial success of the organization. What You'll Do Loan File Review & Delivery: Ensure all closing documentation is accurate, complete, and compliant before delivery to investors. Communicate with Mortgage Loan Officers, Closing Attorneys, and borrowers to obtain any missing or incorrect documents. Complete required fields in the loan origination software to properly close applications. Review and complete Home Mortgage Disclosure Act (HMDA) fields in the loan origination system. Scan and image closed loan packages within the loan origination software. Deliver closed loan files to appropriate investors or submit loans for booking into the core system. Rate Lock & Compliance Management: Complete rate locks upon receipt of fully executed rate lock agreements. Process rate lock extensions as necessary. Ensure all documentation obtained throughout the loan life cycle is properly imaged within the credit union's software systems. Withdrawn & Denied Applications Processing: Review withdrawn and denied applications, ensuring necessary fields are updated in the loan origination software. Confirm that all required documentation is present in the file before finalizing. Complete and deliver the Notice of Adverse Action for denied files in compliance with regulations. Serve as a backup to the Mortgage Loan Application Specialist as needed. Compliance & Operational Support: Maintain strict confidentiality of member and employee information. Ensure adherence to UKFCU policies, board-established guidelines, and regulatory requirements. Assist in resolving member and employee concerns related to mortgage loan processes. Stay informed on industry trends, investor requirements, and regulatory updates. Qualifications Who You Are Experience & Education One to two years of similar or related experience required. High school diploma or equivalent experience required. Strong understanding of federal and state mortgage regulations. Skills & Strengths Exceptional attention to detail and accuracy. Strong ability to analyze loan documents and identify discrepancies. Excellent communication and problem-solving skills. Ability to work independently while managing multiple tasks and deadlines. Proficiency in loan origination software and Microsoft Office applications. Key Traits Professionalism in all interactions. Integrity in decision-making and compliance practices. Commitment to teamwork and collaboration. Accountability for meeting performance goals and deadlines. Adaptability to changing policies and regulatory requirements. What's In It for You? Competitive salary and industry-leading benefits. Opportunities for professional growth and leadership development. A chance to make a lasting impact on our members and the organization's future. Legalese Equal Opportunity Employer UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law. At-Will Employment Employment with UKFCU is deemed “at-will,” which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law. Physical and Cognitive Demands This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You'll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion. Work Environment You'll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace. This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success. _________________________________________________________________________________________________________ Applications are only accepted through our online application system. However, if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation, please contact ******************** to let us know the nature of your request. Please note, UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening. This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 90 days of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.

As a Mortgage Loan Processor, your day will be filled with opportunities to process mortgage loans to ensure investor and customer requirements are met. Loan processing experience and good communication skills are important to better serve our customers as you work closely with all parties involved to create and maintain complete customer satisfaction. In addition to the candidate's experience, Stock Yards Bank & Trust will provide a professional environment to continually improve the candidate's skills and to further his/her career goals for advancement to higher levels within the banking profession. Responsibilities Daily responsibilities include, but are not limited to, the following: Gather and interpret data that support mortgage loan request, such as automatic underwriting findings, credit reports, income and asset documentation, appraisals and other requirements Analyze information for completeness, accuracy and acceptability of investors' loan product Submit complete loan packages to underwriter for review Develop ability to maintain timely processing of a loan package from receipt of file to closing with maximum timelines of 30 days for conventional loans and 45 days for government loans Aware of product requirements to have the ability to negotiate the necessity of approval conditions that could be deemed unnecessary and a hardship to the customer to produce Develop and maintain up-to-date knowledge of FHA, VA, Conventional and Bank's guidelines, rules and regulations pertaining to generating an acceptable mortgage loan Keep all parties involved with the mortgage transaction current and up-to-date with the status of the loan during the review process Ability to provide complete and accurate HMDA reporting information Perform other departmental duties as workload and priorities dictate Assist other mortgage department personnel when necessary Job Requirements The successful candidate will have the following qualifications: High school/GED education 2+ years' experience in FHA, VA, Conventional mortgage processing or underwriting. Ability to function independently in a multi-task environment, as well as part of a team Comfortable communication with all levels of management and employees Proven knowledge of Automatic Underwriting Systems and Mortgage Processing Systems Proven knowledge and experience pertaining to the processing of conventional and government loans PC literacy with 35 WPM typing skill Strengths in problem solving and resolution Detailed oriented and self-motivating Strong planning and organizational skills Good oral and written communication skills Benefits 401(k) with a company match of up to 6% ESOP employer match Medical insurance Dental insurance Vision insurance Cancer / Disease insurance Accident insurance Flexible Spending Accounts Health Savings Accounts Bank paid Life / AD& D insurance Voluntary Life / AD&D insurance Bank paid Short-Term and Long-Term Disability insurance Employee Stock Purchase Plan Employee Assistance Program Physical Requirements The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position requires sitting the majority of the time with limited walking and standing. Must be able to see, hear, speak, grasp paperwork, and type. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate.

Do you want to be involved in your local community and rural America? Do you love to help people at work or in your community? Would your friends and peers describe you as friendly and caring? You really need to take a look at this… Central Kentucky Ag Credit might be the place for you. We are looking for amazing people with a passion for assisting others as candidates for a Secondary Market Mortgage Originator in central Kentucky. This role markets and originates residential loans for sale in the secondary market. This is a regular, full-time non-exempt position that is eligible for overtime pay on hours worked over 40 during a work week based on the business needs and your availability. Daily participation at our on-location sites is an important part of our culture. Please be mindful of commute distance when considering applying. You don't have a banking background? That's okay! Yes, we are in financial services, but not in the way you might be thinking. If you come to us knowing the industry - great, but if you need support learning - that works, too. We will provide you with the education and training you need through paid training courses as well as individual on-the-job one-on-one support to set you up for success. If you can bring us your dedication for helping others - we'll teach you the financial expertise. At Central Kentucky Ag Credit, the customer experience is our top priority, and we're looking for individuals that: Have relationship building skills and are committed to providing excellent customer service. Have experience in people facing industries including banking, retail, or healthcare. If you want to further your education - we support that, too. To assist you with your higher education goals, Central Kentucky Ag Credit offers education reimbursement programs that can help you further your education. The Purpose of Your Role The Secondary Market Mortgage Originator role is an integral part of our lending team who assists in promoting the Association's marketing objectives and makes agricultural loan referrals. This role develops business strategies that target potential customers, as well as referrals from builders, realtors, and other sources for Secondary Market Loans. Our Secondary Market Mortgage Originators function independently under general direction. We are looking for candidates who wish to grow professionally. Our successful Secondary Market Mortgage Originators work with our borrowers to meet their needs. The goal remains consistent for all interactions: help borrowers feel more confident, make clearer decisions, and achieve their own dreams. Our Investments in You Our benefit programs are crafted to help you and your loved ones strike the perfect balance. Here are a few featured benefits (not all benefits are listed) Tuition Reimbursement, 401(K) (up to a 9% company contribution), Health Insurance, Dental Insurance, Vision Insurance, Long Term Disability Insurance, separate Vacation and Sick Time banks (who wants to use their vacation time when going to the doctor?), Dependent Care Flexible Accounts, and 12 paid holidays each year. Sound too good to be true? See for yourself and learn more about our culture and employees: Click here to learn more about us: agcreditonline.com Click here to listen to our podcast and get a good idea of what we do for and within our local communities: Beyond Agriculture Want to see what we are up to? Click here for our social media feeds: Facebook - Twitter - Instagram Training for Your Role We offer a paid, development program that will fully prepare you to engage with customers while acquiring all the financial skills that you need to be successful in your career. We Value our Employees What we value and expect from everyone on our team, no matter what they do here: Self-Starters We want employees who look for ways to improve what we do. Respect We value fairness, diversity, cooperation, and general respect for our employees, our community, and our customers. Self-Management We don't micro-manage. Our employees have the opportunity to establish their priorities, develop their plans and goals, and effectively manage their time. Voice We want our employees to share their thoughts and ideas, keep their coworkers informed, and listen and seek to understand. Dependability Our employees are dependable, responsible, and act with integrity. Life-Long Learning All our staff members share a willingness to grow their knowledge of their role, the company, and others skills. If you are willing to learn, we are willing to support you in any way that we can. Company Overview Central Kentucky Ag Credit is part of the Farm Credit System, which is a nationwide network of cooperative lending institutions that provide credit and financially related services to farmers, ranchers and their cooperatives. With more than 100 years of agricultural lending experience, the System is the largest single producer of agricultural credit in the United States. The cooperative structure of Central Kentucky Ag Credit allows farmer-borrowers to own and control the Association and keeps the Association committed to serving rural credit needs. This is an important feature that sets the Association apart from most other commercial lenders. Join Us At Central Kentucky Ag Credit, you'll have the opportunity to build a meaningful career that positively impacts peoples' lives, including yours. You can take advantage of flexible benefits that support you through every stage of your career, empowering you to thrive at work and at home. You don't need a finance or agricultural background to succeed at Central Kentucky Ag Credit-we offer a range of opportunities for learning so you can build the career you've always imagined.

Initiates the mortgage process for potential clients, preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate. Identifies and attracts new clients by networking with real estate agents, financial advisors, and past clients to generate referrals. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * Establish and maintain a network of business relationships, consisting of real estate professionals, builders, etc. * Meet with potential borrowers regarding their mortgage needs. * Present bank's mortgage products and services that meet borrower's financial goals. * Complete the borrower's application and analyze the borrowers financial and credit data. * Lock rate per company and regulatory guidelines. * Prepare or request all applicable loan documentation from the appropriate party or department. * Work with Centralized Processing Department to ensure attorney and appraisal work is ordered and all documentation is handled professionally and efficiently. * Maintain communication with the borrower regarding the loan status. * Maintain thorough knowledge of lending programs, policies, procedures, and regulatory requirements. * Service all in-house and secondary market loans in your portfolio. (all requests including, escrows, payments, payoffs, etc.) * Interact with clients and internal partners daily to answer questions, solve problems, and deliver the highest-level of customer service. * Assist clients with monthly billing and collections cycle. * Monitor the status of delinquent payments and follow-up with clients on an ongoing basis, while also working with Debt Management on Collections. * Work directly with other departments to resolve any issues or concerns with any customer in your portfolio. Other Duties * Look for referral opportunities within the company (insurance, deposits, etc.). * Other duties as assigned. Skills/Abilities * Requires strong networking and interpersonal skills. * Financial/quantitative skills. * Attention to detail. * Strong computer skills including Excel. Supervisory Responsibility This position does not have supervisory responsibilities. Work Environment This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary. Travel Local travel is required for this position. Education and Experience * Must be registered with NMLS Federal Registry. * Minimum of two years residential mortgage lending experience. * A four-year college degree is preferred. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Equal Opportunity/Affirmative Action Employer M/F/disability/protected veteran status

WHITAKER BANK DESCRIPTION The position of Mortgage Loan Closer is responsible for preparing, reviewing, and verifying all the necessary documents required for portfolio mortgage loan and home equity line of credit closings. Works closely with the Lender and Settlement Agent/Attorney to ensure everyone involved has the most up to date information in a timely fashion. Responsible for sending loan proceeds to the Settlement Agent/Attorney on the morning of the disbursement and processing all GL tickets. Reviews all closed loan packages for accuracy and works with other areas of the department to ensure loans are closed with enough time to disburse and board within the lock period. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations. ESSENTIAL DUTIES Prepares all loan closing documents within the Loan Production Software (Encompass) Manages a pipeline of portfolio loans and home equity lines of credit for closing preparation. Completes an accurate and compliant pre-closing disclosure to be provided to the borrower with the TRID timing guideline requirements and monitors the borrower's receipt of the pre-closing disclosure. Completes an accurate and compliant final closing disclosure to be provided to the borrower within the TRID timing guideline requirements. Reviews loan file for accuracy and ensures the accuracy of documents sent to closing, including but not limited to borrower names, rate, term, and loan type, first payment date, and escrow information. Reviews underwriting closing conditions to ensure adherence to the loan approval and analyzes and interprets the MAVENT compliance report prior to finalizing closing document package. Prepares closing loan document package for delivery to the Settlement Agent or Loan Officer in a timely fashion. Completes post-closing review of all closed loan packages for accuracy and completeness. Operates computer terminal or personal computer to process loan activity, determine balances, and resolve problems within given authority. Types routine letters, reports and forms. Completes online compliance training as assigned and required. Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. You are to conduct yourself professionally and as a bank representative while at work and in public. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. SECONDARY DUTIES The position of Mortgage Loan Closer-Residential Lending performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Mortgage Loan Closer-Residential is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced loan department personnel. The incumbent in this position may perform duties in the absence of the Department Supervisor. ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. The position includes driving a Bank or personal owned vehicle approximately one percent of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to ten pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching. The incumbent for this position may operate any or all of the following: telephone, cellular telephone, copy and fax machines, adding machine (calculator), scanner and image systems, encoder, typewriter, personal computer and related printers, or other equipment as directed. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. High school diploma or equivalent is required; minimum of two-years related experience and/or training. Work-related experience should consist of a mortgage loan closing background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Intermediate level of work experience, knowledge and training in preparing and understanding Closing Disclosures and Title Reports. Intermediate knowledge of related state and federal banking compliance regulations, and other Bank lending policies. Intermediate knowledge of title policies and related loan regulations such as TRID, HMDA and other Bank lending policies on loans to directors. Intermediate skills in personal computer operation; word processing, spreadsheet and specialty software programs. Intermediate typing skills to meet production needs of the position. Intermediate math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Basic supervisory skills to handle appropriate staff in the absence of the Department Supervisor. Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees. Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations. Effective organizational and time management skills. Ability to work with minimal supervision while performing duties. Current KY driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Management reserves the right to change this position description at any time according to business needs.

It is the responsibility of the Mortgage Loan Officer to be able to handle all functions of originating a loan. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Origination Requirements Develop application sources through internal and external centers of influence including but not limited to: Burke & Herbert Bank branches, realtors, builders, stockbrokers, financial planners, attorneys, accountants and past customers. Develop new business from personal and nontraditional resources. Work independently. Complete 1003 Residential Loan Application. Collect all data and documents necessary to process the application. Assign loan number. In-put or upload application information into Loan Origination System, Encompass. Submit to Desktop Underwriter™, Loan Prospector™ or other decision engine. Issue initial disclosures accurately and in a timely manner. Follow up on conditions necessary to close or decline loan as requested. Price and lock interest rate with investor, meeting Burke and Herbert Bank pricing expectations. Monitor lock expiration dates for closing and delivery. Other Banking Requirements Call on Burke & Herbert Bank branches in assigned territory. Make introduction of all market applicants to appropriate Burke & Herbert Bank personnel. Generate new leads for the Bank from outside sources. In consultation with Burke & Herbert Bank personnel, explore opportunities for cross-sell of other Burke & Herbert Bank products. Collect fees in accordance with Burke & Herbert Bank standards. Participate, as requested, in opportunities to promote the Burke & Herbert Bank. Maintains lending compliance including but not limited to: early disclosures, government monitoring, high priced mortgage loans documentation, and customer information procedures. Closed Loan Requirements Expected minimum closed loan volume of $1,000,000 per month after 60 days. Skills/Abilities A Mortgage Loan Officer must be able to communicate and work well with the public. Must have the ability to analyze credit information necessary to originate and assist in processing a residential loan application. Individual must have knowledge of lending compliance requirements and general knowledge of conventional and government loans available to the consumer. Must be resourceful and have the ability to work with secondary market investors insuring all loans meet established guidelines. Must be extremely detailed oriented to insure accuracy of data supporting loan files. Data integrity must never be compromised. Must have ability to work independently inside and outside the office, manage loan pipeline, follow-up with borrowers, Burke & Herbert Bank partners, and sources of business. Work to ensure timely loan closings. High Level of experience with FHA - VA - USDA and VHDA. Education and Experience College degree preferred. At least 1 year of mortgage loan sales and an active NMLS number Origination and sales experience. Encompass experience preferred. This position is classified as Exempt under the Fair Labor Standard Act. Mortgage Loan Officers must be customarily and regularly engaged in making sales away from the bank's places of business. Compensation for this position is 100% commission based. Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and opening cabinets. This position requires bending, stooping or standing as necessary. Travel Travel may be required for this position. Equal Opportunity/Affirmative Action Employer M/F/disability/protected veteran status Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.