Mortgage Loan Officer
Murray, KYFull-timeSeen todaySeen in employer's feed today
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At a glance
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Job overview
FNB Bank’s Mortgage Loan Officer originates conventional residential mortgages and government loan programs in Western Kentucky, develops and maintains a loan portfolio, and supports business development. The role involves evaluating applicants and loan documentation, closing approved loans, monitoring exceptions and delinquencies, and maintaining compliance. The ideal candidate has a proven record of generating business through referrals, prospecting, networking, and relationship-based sales.
Skills & qualifications
Skills
Qualifications
Full job description
Minimum Education Required
High School Diploma/G.E.D.
Education Or Experience Substitution
Bachelor's degree or equivalent work experience
Compensation
$
Hours Per Week
40
Number Of Positions
1
Job Description
Mortgage Loan Officer
Murray, KY
Description
JOB SUMMARY
Responsible for originating conventional residential mortgage loans and other Government loan programs, including but not limited to FHA/VA, Rural Housing in Western KY. Participate in related business development activities. Develop and maintain a loan portfolio and ensure that the credits are of the highest quality, fully documented and in compliance with all related laws and regulations as well as the Bank's lending policies.
The ideal candidate will be a self-motivated producer with a proven history of generating new business through referrals, prospecting, networking, and relationship-based sales, whether in mortgage lending or another successful outside sales environment.
ESSENTIAL FUNCTIONS
Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.
Solicit residential mortgages through contacts with realtors, builders, developers, and referrals from clients.
Interview applicants to obtain information concerning their needs, desires, and eligibility to assist in determining whether the loan will be an acceptable risk
Obtain and analyze pertinent financial and credit data.
Negotiate terms and conditions of loan with mortgagors.
Comply with all BSA requirements and complete appropriate documentation.
Close approved loans, ensuring the completeness of the required documents and their compliance with applicable rules and regulations.
Monitor loan exceptions and delinquencies and take appropriate action to cure any deficiencies
Keep informed of trends and developments in the local real estate market, as well as the changing rules and regulations of both private and government-insured mortgages.
Call on potential or existing customers as assigned to develop new business or retain existing business.
Participate in and support community and professional organizations, which will contribute to personal growth and effectively promote the image of the Bank.
Cross-sell other bank services.
Carry out other such duties as may be assigned or directed.
Requirements
REQUIREMENTS AND QUALIFICATIONS
Bachelor's degree or equivalent work experience.
Active NMLS registration preferred or ability to obtain and maintain NMLS registration as required.
Minimum of two years of successful mortgage origination experience or demonstrated success in outside sales, business development, financial services, real estate, or other relationship-based sales roles.
Demonstrated success in business development and achieving production goals through networking, referrals, prospecting, and community involvement.
Strong relationship-building, communication, sales, and negotiation skills.
Ability and willingness to develop and maintain a personal pipeline of mortgage business.
Knowledge of residential mortgage products and regulations or demonstrated ability to quickly acquire such knowledge.
Strong mathematical and analytical abilities.
Proficiency with personal computers and software applications required for mortgage lending.
Demonstrated ability to work independently and follow through on commitments to completion.
At FNB our goal is to be a diverse workforce that is representative of the communities that we serve. All aspects of employment including the decision to hire, promote, discipline or discharge, will be based on merit, qualifications, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. We are a VEVRAA federal contractor.
Job Type
Full time
Equal Employment Opportunity (EEO) Employer
Yes
Americans with Disabilities Act (ADA) compliant
Yes
Background Check Required
Yes
Place of Work
On-site
Requisition ID
107121
How this job compares
Set against the 882 open Mortgage Loan Officer jobs on Olive Jobs, counted November 5, 2026.
- Pay
- This postingNot listed
- US median$20–100K/yr573 salary ranges
- US median$15–18/hr86 hourly ranges
- Openings
- Olive Jobs lists 13 open Mortgage Loan Officer jobs in Kentucky and 882 across the US. 8% of them nationwide are listed as remote or flexible.
- Hiring the most across the US
- Regions Bank383 open
- PNC135 open
- City National Bank96 open
- Experience
- This posting asks for at least 2 years of experience; Mortgage Loan Officer postings that state a minimum ask for 1 year at the median (777 postings).
- Education
- 30 of the 882 open Mortgage Loan Officer jobs (3%) ask for a bachelor's degree or higher.
Counted across the open, public US postings on Olive Jobs on November 5, 2026. Pay medians are the middle values of the low ends and of the high ends of postings that list both ends of a range in the same cadence (a yearly salary or an hourly rate); a range's midpoint is halfway between its ends. Pay and experience figures resting on fewer than 20 postings are left out.
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