Healthcare Mortgage Lending Officer (Physician,Dentist,Veterinarian)

Keybank National Association Albany , NY 12201

Posted 2 months ago

Job Description: The Healthcare Lending Specialist MLO (Mortgage Loan Officer) is responsible for self-sourcing mortgage loans within the Healthcare Community and KeyBank's footprint as well as working with KeyBank's existing healthcare client base (physician, dentist, veterinarian).

The Healthcare Lending Specialist MLO is the point of contact assisting clients with the origination of residential mortgage loans, which includes providing analysis and advice to clients and/or prospects on mortgage solutions to meet their needs and financial objectives. They are expected to collaborate with the fulfillment department to meet the needs of our clients from the point of registration to closing. It is also the expectation to meet or exceed established sales metrics and maintain high standards of client satisfaction and quality.

ESSENTIAL JOB FUNCTIONS

The role of the Healthcare Lending Specialist MLO is to originate and process residential real estate mortgage in accordance with Key Bank Mortgage's process and product guidelines. The Healthcare Lending Specialist MLO is responsible for gathering documents at the time of registering a loan and is expected to remain, along with the loan processor, the point of contact for the customer during the duration of the loan. This person is to maintain high standards of client satisfaction and quality, ensure sales/originator systems and work flows are efficiently controlled. Healthcare Lending Specialist MLO is responsible for knowing all Federal Regulations and bank policies/procedures. As needed and in partnership with all bank partners, the Healthcare Lending Specialist MLO is expected to help with joint calls with potential clients to develop new business both in person and over the phone. Healthcare Lending Specialist MLO is to keep informed of trends and developments in the real estate market and mortgage industry. In addition, the position is to develop and maintain in-depth knowledge of products and services as well as knowledge of competitors and competitive products.

Activities

  • Meet with clients for mortgage opportunities as scheduled

  • Review Book of Business client profiles with retail partners to uncover mortgage opportunities

  • For LOs who also call on Private Banking, a pipeline review should be held with PB RMs

  • Expedite loans in process by regularly reviewing pipeline, following up on documentation with borrowers, interacting with title companies, realtors, attorneys, etc.

  • Self -source and market to centers of influence (COI) for business development

  • Attend external events to develop and maintain COI.

Monthly Activities

  • Production Reviews: Meet with Regional Manager to review mortgage production to goal results. Discuss and gain commitment on activities for success based on the annual mortgage production goal; what it will take to achieve; number of referrals needed for each application, number of applications needed for each closing.

  • One on One: Meet with Regional Manager to review production results to goal and Sales Action Plan.

Annual Activity

Annual Goal Setting and Individual Sales Action Planning: LOs will receive a Goal Setting/Sales Planning Toolkit from their manager to draft their individual Sales Action Plan. The Sales Action Plan should outline production goals and include COI activities not addressed in the LO Playbook. The LO will then meet with their Sales Manager to finalize the individual production goal and Sales Action Plan. The Sales Action Plan will be recorded on page two of this Playbook, and along with the Playbook, will be used to measure performance against a documented plan.

REQUIRED QUALIFICATIONS

  • Five (5) years experience as a loan officer in 1st mortgage production

  • Proven track and network within medical industry (physician, dentist, veterinarian)

  • Ability to effectively manage high net worth client relationships

  • Bachelor's degree in business related field or equivalent experience.

  • Possesses advanced technical knowledge and understanding of business tax returns, trusts, LLCs, and other asset protection tools used by high net worth clients

  • A working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws

  • Excellent verbal and written communication skills and ability to work in a team environment

  • Demonstrated strong customer service skills

  • Proficient in sales and service skills; including tele-consulting, prospecting, networking and COI relationship management.

  • Strong financial acumen

Employees in this job are required to comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Employees hired or transferring into this position will need to meet the qualification requirements, in Key's sole discretion, under Reg. Z, prior to acting as a loan originator in a consumer credit transaction secured by a dwelling. Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, credit report, and information about any administrative, civil, or criminal findings by any government jurisdiction.

FLSA STATUS:Non-Exempt

KeyCorp is an Equal Opportunity and Affirmative Action Employer Min/Fem/Vet/Disabled
33359BR


icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Senior Lending Officer

Bank Of America Corporation

Posted 3 days ago

VIEW JOBS 5/20/2019 12:00:00 AM 2019-08-18T00:00 Job Description: At Bank of America, we're guided by a common purpose to help make financial lives better by connecting clients and communities to the resources they need to be successful. Make a difference where it counts by joining our industry-leading Consumer Lending team at Bank of America and Merrill Lynch. We're looking for people with focus and drive –people who take the time to get to know clients, engage with them to understand what's important to them, and provide the lending solutions, service and expertise they need to achieve their financial goals. As part of the Bank of America team, senior lending officers (Sr. LOs) have access to industry leading products and services, award winning platforms and a team of dedicated loan coordinators and underwriters – all designed to meet the unique life priorities of our clients. Sr. LOs continually identify, develop and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. They also partner closely with financial center employees as part of one team that delivers exceptional client care. The Sr. LO is responsible for originating retail mortgage loans and other lending products – through uncovering client needs and matching them to our lending solutions. Contact with clients may be either by telephone or in-person. The Sr. LO proactively solicits new residential mortgage business and sells Bank of America lending products to meet established loan quality and production goals. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination We'll help you * Get training and one-on-one coaching from managers who are invested in your success. You'll take part in additional training and development through our Academy to develop in your role. * Grow your network to eventually grow your business. Leverage our relationships with one out of two U.S. households. Starting at a financial center, you'll interact with banking clients and small business owners alike. You'll also tap into a range of experts, from small business bankers to financial solutions advisors. * Provide end-to-end comprehensive lending guidance and solutions to prospective borrowers by uncovering their life priorities, analyzing financial and credit data, and determining client financing objectives. * Stay informed on changing market conditions, business trends and regulatory requirements by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements. * Demonstrate a commitment to professional ethics, as well as conform to all federal and state compliance policies and adhering to Home Mortgage Disclosure Act (HMDA) requirements. As a senior lending officer, you can look forward to * Providing exceptional client care with industry-leading products, services, education and a dedicated team of loan coordinators and underwriters. * Building a quality external network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Sources may consist of real estate professionals, builders, and professional and personal contacts. * Expanding your reach further through participation in business related development opportunities, community efforts to promote homeownership and professional organizations. * Robust marketing strategies to reach wider audiences with greater appeal. * Ongoing professional development to deepen your skills as the industry evolves and changes. * A world-class suite of employee benefits. You're a person who (required skills) * Has 2+ years of experience in a loan origination role with a focus on generating self-sourced business through a verifiable, established network of referral sources. * Understands how to manage pipeline effectively. * Has a strong knowledge of loan products (conventional, jumbo and government). * Has the ability to analyze income and assets properly in order to qualify clients for specific loan products. * Understands processing, underwriting and/or closing procedures. * Has a working knowledge of federal regulations governing real estate lending * Can work independently. * Is a strong communicator, both verbally and in writing. * Is self-motivated and highly organized. * Can prioritize multiple competing tasks. * Uses appropriate interpersonal styles, communication methods and approaches to gain clients. * Understands the connection of the level of service provided being directly correlated to driving sales volume. * Can be flexible to work weekends and/or extended hours as needed. You'll be better prepared if you have (desired skills) * Familiarity with FHA and HUD guidelines. * Strong computer skills including Microsoft applications and previous experience using laptop technology for communication purposes including accessing rate, credit and loan status information. * Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. * The ability to analyze and comprehend complex financial data and provide financial alternatives. * Professional and effective interpersonal skills. * An ability to take ownership and accountability and can demonstrate integrity. * Adaptability and can demonstrate flexibility. * A positive attitude. * Effective communication styles. We're a culture that * Is committed to building a workplace where every employee is welcomed and given the support and resources to build and advance their careers. Along with taking care of our clients, we want to be a great place for people to work, and we strive to create an environment where all employees have the opportunity to achieve their goals. * Believes diversity makes us stronger, so we can reflect, connect to and meet the diverse needs of our clients around the world. * Provides continuous training and developmental opportunities to help employees achieve their goals, whatever their background or experience. * Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs. * Believes in responsible growth and is dedicated to supporting communities around the world by connecting them to the lending, investing and giving they need to remain vibrant and vital. Posting Date: 05/20/2019 Location: Hartford, CT, CITY PLACE 1, 185 ASYLUM ST, Albany, NY, 69 STATE ST (NY6100), Buffalo, NY, 10 FOUNTAIN PLZ (NY7101), Pittsford, NY, 1221 Pittsford Victor Rd (NY3240), - United States Travel: Yes, 10% of the time Full / Part-time: Full time Hours Per Week: 40 Shift: 1st shift Bank Of America Corporation Albany NY

Healthcare Mortgage Lending Officer (Physician,Dentist,Veterinarian)

Keybank National Association