Mortgage Loan Officer - Cincinnati

Stock Yards Bancorp, Inc. (NASDAQ: SYBT), 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.

Job Title: Mortgage Loan Officer

Department: Mortgage

FLSA Status: Non-Exempt

Hours of Operation: 40 hours per week, start and end times may vary

General Job Summary:

Sell mortgage loan products through sales efforts with individuals, builders, realtors, and other contact groups.

Organizational Duties and Responsibilities:

• 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.

Essential Duties and Responsibilities:

• 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

Working Conditions:

• 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

Minimum Job Requirements:

Education: High school/GED education, college degree preferred

Experience: Outside sales experience with FHA, VA, and conventional lending

Comprehensive skills:

• 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

Specific Skills:

• 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

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.

• 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)

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
• 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