Bank Mortgage Specialist

Description

As an 8‑time winner of Best Places to Work in Kentucky, Forcht Bank is committed to creating a workplace culture that gives our team a purpose every day. We deliver unique banking experiences through exceptional customer service and innovative digital tools, and value diverse, outside‑the‑box thinkers who can help us serve our customers better.

We opened in 1985 offering traditional banking services, but quickly realized we needed to deliver them in a nontraditional way. With over 5,000 banks and 5,300 credit unions in competition, we differentiate by providing exceptional customer service combined with great digital banking tools. We also encourage our team to exemplify our values daily.

We believe in:

• Giving back to our communities.
• Embracing change and evolution.
• Building relationships based on trust and transparency.
• Celebrating and embracing our diversity.

Our commitment is to grow and train happier employees, providing them with the skills to deliver happier banking and create happier customers. This is how we create happier employees at Forcht Bank:

• Comprehensive benefits package including:
• 401(k) Retirement Plan with up to 4% Company Match (fully vested from day 1).
• Company‑Paid Life Insurance.
• Minimum of 15 days of Paid Time Off (PTO) after 60‑day introductory period.
• Nine Paid Holidays, plus Birthday Leave and Community Service Leave.
• Employee celebrations.
• Professional recognition.
• And more!

The Mortgage Specialist II is responsible for meeting with customers to discuss mortgage options and loan products, taking applications, maintaining customer relationships, and soliciting customers and realtors for mortgage loans.

• Take loan applications and analyze customer income and debt to pre‑qualify them for the loan requested.
• Collect financial information (tax returns, bank statements, etc.) and other related documents that are part of the application process.
• Maintain regular contact with the customer and realtor between application and closing to apprise them of the status of the application and gather any additional items needed.
• Discuss and disclose the interest rate and options to lock in interest rate.
• Attend closing to ensure customer satisfaction.
• Work with Relationship Officers to ensure correct applications are taken and placed with the appropriate investor.
• Work with Relationship Officers to ensure the correct information is collected and the correct documents are signed.
• Assist the Relationship Officer in marketing and obtaining mortgage leads as well as understanding the rate sheet and identifying potential customers.
• Perform other duties as assigned.

This position does not have supervisory responsibilities.

Proficiency in Microsoft Office products, especially Word and Excel; bank information systems; and internet research. Knowledge of FHA, VA, USDA, and Conventional lending. Ability to read and interpret industry information such as customer financial statements, credit reports, and tax returns.

• Effective communication skills—with customers and team members.
• Ability to work with little direct supervision.
• Strong attention to detail.
• Ability to operate standard business equipment: fax, copiers, printers, computers.
• Handling sensitive documents or confidential information with discretion.
• Managing time efficiently and staying organized in a high‑volume environment.
• Researching and resolving problems and discrepancies.
• Knowledge of the structure and content of the English language, including spelling, grammar, and composition rules.

• Ability to listen, understand, and respond to spoken and written information.
• Oral and written communication skills to convey information clearly.
• Organizing tasks and actions according to specific rules or patterns.
• Reading visual information such as written text, graphs, tables, or diagrams.
• Vision and perception of details at close range.
• Recognizing when something is wrong or likely to go wrong.
• Ability to sit or stand for extended periods of time.
• Manual dexterity for typing, sorting paperwork, and handling objects.
• Operating standard business equipment such as fax,…