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Key traces its history back more than 160 years and is headquartered in Cleveland, Ohio. One of the nation's largest bank-based financial services companies, Key has assets of approximately $95.1 billion. Key (NYSE: KEY) provides deposit, lending, cash management and investment services to individuals, small and medium-sized business under the name KeyBank National Association. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name
ABOUT THE BUSINESS:
Key Community Bank serves individuals and small to midsized businesses from Maine to Alaska through our 12-state network of over 1,000 branches, 1,300 ATMs, telephone banking and robust online and mobile platforms. KeyBank's Consumer/Business Banking segment provides consumers and small business owners with straightforward banking solutions and personal finance expertise that helps them make confident financial decisions today and plan for tomorrow. Key Private Bank offers wealth planning that follows a consistent, disciplined approach guided by objective advice based on each unique situation. KeyBank Commercial Bank offers midsize business financial services that drive growth and profitability and help business owners identify new opportunities with products and services including deposit, cash management, investment services, commercial lending, equipment leasing, and asset-based lending.
ABOUT THE JOB (JOB BRIEF)
The KBM Underwriter reports to the KBM Underwriting Supervisor and is responsible to review, analyze and approve residential loan applications. He KBM Underwriter is responsible for verifying income, assets, credit and collateral documents including self-employed personal and business tax returns. The KBM Underwriter may be involved in one or several types of mortgage lending (agency conventional, portfolio conventional, FHA/VA MI etc.). This position will also lend support to other underwriters on complex loan submissions. Lending authority to include conventional, government and jumbo loan programs. Excellent phone and communication skills and a value of providing superior customer service to internal and external customers required. An exemplary customer service oriented attitude and the ability to work effectively in a Team Environment is essential.
ESSENTIAL JOB FUNCTIONS
SAFE ACT LANGUAGE
Mortgage Loan Originator (MLO) – A person who takes a consumer residential mortgage loan application that is to be secured by a dwelling and offers or negotiates terms of credit for compensation or gain. This Includes KBM, branch, private banking and call center personnel who originate first or subordinate lien mortgages, refinances, and/or home equity loans/lines of credit. Excludes a person who performs purely administrative or clerical tasks on behalf of a mortgage loan originator, those engaged in cost-free loss mitigation efforts or loan assumptions, and bank employees subject to the de minimis exception.
If this position fits the Mortgage Loan Originator definition provided above, the following statement must be added to the Required Qualifications section of the job description:
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).
KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
ControlID: 14.234.89 SHR
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