Loan Officer Jobs in New York
Loan Officer jobs in New York represent one of the most active markets in the country, concentrated in mortgage lending, commercial banking, and community development finance across every level from entry-level processor to senior credit officer. Most openings are in New York City, Buffalo, and Albany, where major employers like JPMorgan Chase, Wells Fargo, and Citibank maintain substantial lending operations. The most in-demand specialties are residential mortgage origination, commercial real estate lending, and small business lending tied to New York's dense network of community development financial institutions. Find a role that fits below and apply directly.
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Showing 5 of 42+ Loan Officer jobs
Location:
2180 Grand Island Boulevard - Grand Island, New York 14072
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
- Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
- 3+ years Experience as a loan officer in 1st mortgage production (preferred)
- 3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
- All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
- General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
- May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.In addition to commission, this position is compensated at a fixed hourly rate draw of $15.50 hourly
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 12/01/2026 KeyCorp is an Equal Opportunity Employer committed to 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, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
Location:
2180 Grand Island Boulevard - Grand Island, New York 14072
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
- Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
- 3+ years Experience as a loan officer in 1st mortgage production (preferred)
- 3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
- All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
- General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
- May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.In addition to commission, this position is compensated at a fixed hourly rate draw of $15.50 hourly
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 12/01/2026 KeyCorp is an Equal Opportunity Employer committed to 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, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
See All 42 Loan Officer Jobs in New York
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Find Loan Officer JobsLoan Officer Jobs by City in New York
Where New York roles are concentrated, by current openings.
Loan Officer Job Market in New York
A snapshot from current New York openings, updated as new roles post.
Who's Hiring
- Guaranteed Rate Affinity12
- KeyBank3
- Citizens2
- AmeriCU Credit Union2
- Orange Bank & Trust Company2
Top Industries Hiring
- Banking & Financial Services
What New York Employers Look For
The qualifications that appear most often in loan officer jobs across New York.
- Active New York Mortgage Loan Originator license issued through the NMLS required
- Bachelor's degree in finance, business, economics, or a closely related field preferred
- Proven experience originating residential or commercial loans in a regulated environment
- Proficiency with loan origination software such as Encompass, Calyx Point, or similar platforms
- Strong knowledge of federal regulations including RESPA, TILA, and the Equal Credit Opportunity Act
- Demonstrated ability to build referral networks with real estate agents and financial planners
Loan Officer Jobs in New York: Frequently Asked Questions
How do you become a loan officer in New York?
To work as a mortgage loan originator in New York, you must obtain a Mortgage Loan Originator license through the Nationwide Multistate Licensing System, regulated by the New York Department of Financial Services. The process requires completing pre-licensing education, passing the SAFE Mortgage Loan Originator Test, submitting a background check, and registering with an approved New York-licensed mortgage company. Commercial and consumer lending roles at banks may not require the MLO license but typically expect a finance-related degree and internal credit training.
How much do loan officers make in New York?
Loan officers in New York earn a median of about $95,710 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $49,410 for the lowest 10% to over $211,350 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire loan officers in New York?
Employers hiring loan officers in New York right now include Guaranteed Rate Affinity, KeyBank, and Citizens, based on current listings on Migrate Mate as of September 2026. New York's dense concentration of regional banks, credit unions, and independent mortgage companies means hiring is active well beyond the major national lenders, particularly in the outer boroughs and upstate markets.
Which New York cities have the most loan officer jobs?
New York, Brooklyn, and Bronx have the most loan officer openings in New York. New York City dominates the count because it is home to the headquarters and regional offices of the largest banks, mortgage companies, and commercial lenders in the country, while Buffalo and Albany generate steady demand through their own regional banks, credit unions, and state-affiliated community lending programs.
Are there remote loan officer jobs in New York?
Yes, though they are less common than in purely desk-based fields because loan officers frequently meet clients, attend closings, and work with local title companies and real estate agents in person. About 46% of loan officer openings tied to New York are remote or hybrid as of September 2026, and the roles most likely to offer remote flexibility are refinance-focused positions and inside sales originator roles that rely on inbound leads rather than community relationship-building.
How can I get hired as a loan officer in New York with little or no experience?
The most realistic entry path is joining a New York bank or credit union as a loan processor or loan officer assistant, roles that provide direct exposure to underwriting and origination without requiring an existing book of business. Large New York institutions like Amalgamated Bank and smaller community development financial institutions in the Bronx and Brooklyn actively hire for processor roles that lead to originator positions. Completing your NMLS pre-licensing hours before applying signals commitment and speeds up the hiring process considerably.
Where can I find and apply to loan officer jobs in New York?
You can find and apply to loan officer jobs in New York on Migrate Mate, which lists current openings from employers hiring in the state right now. Search through the available positions, find a role that fits your background and location, and apply directly to the employer through the listing.
See All 42 Loan Officer Jobs in New York
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