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: CRA Mortgage Loan Officer - Louisville

FLSA Status: Exempt          

Department: Mortgage

Hours of Operation: 40 to 45 hours per week, start and end times may vary

General Job Summary:

Sell residential mortgage loan products through sales efforts focusing on low to moderate income areas and borrowers in Jefferson County/Louisville MSA.

Organizational Duties and Responsibilities:

• Supports the mission, vision and philosophy of the Bank. Complies with all organizational policies and procedures.
• Supports all functions that maintain compliance with regulatory agencies.

Essential Duties and Responsibilities:

• Perform essential duties and responsibilities within designated market of Jefferson County/Louisville MSA with an emphasis on low to moderate income areas and borrowers
• Work to achieve satisfactory CRA rating in designated market
• Aggressively pursue contact with individuals, realtors, builders, non-profit organizations, and advocates, to expand network contacts and relationships to generate sales
• Participate in business development activities outside of the office, such as realtor open houses, homebuyer seminars, financial literacy opportunities, church groups, trade shows, as well as community development activities
• Engage in marketing and promotional activities, such as lunch and learn presentations to groups and membership in civic organizations in an effort to generate sales
• Consult with customer to compile a fully completed loan application in order to meet compliance guidelines while negotiating terms and conditions
• Collect, compile and analyze information for acceptability for approval for loan product
• Communicate with clients and potential clients, answering questions and  providing information, acting as the primary point of contact from sale to closing
• Work diligently with all of mortgage operations (Setup, Mortgage Compliance, Underwriters, Processors, and Closers) to facilitate a loan transaction
• Create a collaborative partnership with your processor to ensure an efficient and expedient loan process
• Expand partnerships as requested by the Director of Community Engagement and Outreach
• Keep Regional Lending Sales Manager abreast of all CRA projects and strategies
• Maintain up-to-date knowledge of FHA, VA, Fannie Mae and Freddie Mac conventional loan rules, regulations and guidelines through a combination of educational classes, correspondence courses, on the job training and investor web sites 

Other Functions: Other duties as assigned by the Regional Lending Sales Manager

Working Conditions:

Employee is expected to perform duties with limited supervision. Due to the nature of this position, loan demand and customer convenience, employee is often called upon to work evening hours and weekends

Minimum Job Requirements:

Education: High school/GED education, College degree preferred

Experience: 3 to 5 years of outside sales experience with FHA, VA, and conventional lending

Specific Skills:

• PC Literacy with 35 WPM typing skills
• Knowledge of basic underwriting guidelines preferred
• Professional appearance and demeanor
• Ability to perform in high pressure situations
• Excellent sales and communication skills, negotiating skills and assertiveness

Licenses: NMLS

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