Job Description

** MORTGAGE LOAN OFFICER ASSISTANT (Sales Assistant)**

**Job Category****:** MORTGAGE **Requisition Number****:** MORTG003653 Showing 1 location **Job Details**

**Description**

Stock Yards Bank & Trust Company is a wholly owned subsidiary of Stock Yards Bancorp, Inc. (NASDAQ; SYBT), with company assets totaling $6.1 billion. Founded in 1904, Stock Yards Bank has evolved from a small bank serving the Louisville livestock industry to a nationally recognized bank known for exceptional service and financial performance. Our capabilities align well with those of national banks, but our focus has always been building a strong relationship with our customers while providing an engaging work environment for our employees. Stock Yards Bank & Trust has consistently received recognition for being one of the best places to work in Kentucky.

Since 1904, Stock Yards Bank & Trust has become one of the region's premier community banks - renowned for the close, personal attention that distinguishes us from other financial institutions in our market. Our bank actively seeks individuals to help us build trusted partnerships and further our success. We are pleased to announce there is an opportunity for you to advance your achievements as a Mortgage Loan Officer Assistant while helping us further our success.

As a Mortgage Loan Officer Assistant, your day will be filled with opportunities to prepare and submit loan applications for approval and handle all communication with borrower(s) to ensure a smooth transaction from prequalification to closing. Customer service and mortgage experience are important while Stock Yards Bank & Trust will provide a professional environment to continually improve the candidates skills to further his/her career goals for advancement within the banking profession.

**Responsibilities**

Daily responsibilities include, but are not limited to, the following:

* Prequalification, Run DU, review Credit and maintain relationship with borrower to convert to application

* Initial Application, reviewing for accuracy and completeness, run AUS, review credit,

* Restructure loan if necessary, contact borrower for needed items

* Disclosures-Schedule initial disclosure appointment with borrower

* Attend disclosure appointment to ensure all disclosures are signed and any changes borrower wants to make are addressed

* Submit loan to setup within appropriate time frame

* Condition Gathering-Obtain suspense conditions to obtain conditional approval and obtain borrower items needed to obtain final approval

* Appraisal-Review and notify all parties if value is lower than anticipated

* Provide additional comparable if applicable, work with borrower to change terms (if applicable)Closing-Coordinates closing date with all parties

* Comply with all internal policies and procedures and Federal and State regulations and guidance

* Answer all phone calls directed to mortgage loan officer by directing the call to the appropriate department/person, taking a message, or assisting with call as applicable

* Place follow up calls to customers on behalf of loan officer, as applicable

* Schedule appointments and maintain loan officer calendar

* Manage referrals in S@YB to other departments

* Manage S@YB entries for sales calls and COI updates

* Work with processing and underwriting group to ensure customer contact and any conditions are handled in an appropriate timeframe

* Review pipeline and monitor return of initial application documents as well as initial required documentation

**Job Requirements**

The successful candidate will have the following qualifications:

* High School Diploma or equivalent

* 2 or more years of experience in residential lending industry

* Proficiency in Word (including knowledge of mail mergers and creating templates)

* Proficiency in Excel (including ability to create graphs)

* Typing speed of 40 WPM

* Must be detailed oriented

* Must be able to maintain confidentiality

* Excellent organizational skills

* Excellent verbal and written communication skills

* Excellent customer service skills

* Ability to function independently in a multi-task environment as well as part of a team.

* Flexibility both in duties and in hours

* Professional appearance and demeanor

**Qualifications**

**Skills**

**Behaviors**

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**Motivations**

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**Education**

**Experience**

**Licenses & Certifications**

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)

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