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Job description
Mortgage Loan Officer
Stock Yards Bancorp, Inc., parent company of Stock Yards Bank & Trust Company, with offices in Louisville, Central, Eastern and Northern Kentucky, as well as the Indianapolis, Indiana and Cincinnati, Ohio metropolitan markets.
Sell mortgage loan products through sales efforts with individuals, builders, realtors, and other contact groups.
Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures. Supports all functions that maintain compliance with regulatory agencies.
Contact individuals, realtors and builders, attend chamber and other civic meetings to expand network contacts to generate sales
Engage in marketing and promotional activities, such as giving presentations to groups, in an effort to generate sales
Consult with customer to compile loan application in order to meet compliance guidelines while negotiating terms and conditions
Collect, compile and analyze information for acceptability for approval for investor's loan product
Communicate with clients and potential clients, answering questions and providing information, acting as the primary point of contact from sale to closing
Follow up closely with processor to ensure loans are closed timely
Maintain up-to-date knowledge of FHA, VA, and conventional loan rules, regulations and guidelines through a combination of educational classes, correspondence courses, on the job training and investor web sites
Other duties as assigned
Outside sales. Unregulated and unmonitored schedule. Due to the nature of this position, loan demand and customer convenience, employee is often called upon to work evening hours and week-ends; therefore, their hours can be adjusted at their discretion to meet their own schedules. When in office, uses a computer with various programs.
Education: High school/GED education, college degree preferred. Experience: Outside sales experience with FHA, VA, and conventional lending.
Employees are expected to represent Stock Yards Bank & Trust in a professional manner to customers and outside contacts
Excellent interpersonal communication skills, consisting of the ability to write and speak effectively to others
Be a productive team player, with the ability to learn, apply training and comprehend policies and procedures
Flexible to changing working situations and able to meet deadlines as they arise
PC Literacy with 35 WPM typing skills
Knowledge of basic underwriting guidelines preferred
Professional appearance and demeanor
Excellent sales and negotiating skills, and assertiveness
Ability to perform in high pressure situations
Primarily sedentary work performed in an office environment. Ability to sit for extended periods of time while working at a computer. Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment. Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person. Visual acuity sufficient to read computer screens, printed documents, and financial data. Occasional standing, walking, bending, or reaching. Ability to lift and carry up to 10–15 pounds occasionally (e.g., files, office supplies).
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
Flexible Savings 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
Worksite address
shelbyville, KY, 40065, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.