OPT Home Lending Advisor Jobs
Home Lending Advisor jobs on OPT sit at the intersection of finance and client service, requiring a degree in finance, economics, or a related field. Most roles are W-2 positions with standard employer sponsorship, though commission-based structures can complicate OPT compliance. Your 12-month OPT window starts on your authorized start date.
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4910 Tiedeman Road, Brooklyn Ohio
Job Summary
The Home Lending Center (HLC) Loan Officer (LO) assists clients with the origination of residential mortgage loans, offering analysis and advice on home lending solutions that align with clients' financial goals. This role involves developing referral sources to grow Key's home lending business and client base. The HLC LO is expected to meet or exceed sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect and develop new client relationships and loan originations through internal referrals and external centers of influence.
- Originate and process targeted number of family residential real estate mortgage transactions in line with Home Lending guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather necessary documentation at loan registration and serve as the primary client contact throughout the loan process.
- Maintain high standards of client satisfaction and loan quality, ensuring efficient use of sales/originator systems and workflows.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Stay informed on real estate market trends and mortgage industry developments.
- 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 Business related field or equivalent experience (preferred)
Work Experience
- 1+ years Mortgage sales (required)
- 1+ years Mortgage processing experience (preferred)
- 1+ years A 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 written and verbal communication
- Strong customer service orientation
- Ability to prioritize and manage multiple tasks
- Proficiency in outbound calling
- Proficiency in sales/originator systems and workflow management
- Ability to assess borrower risk by analyzing credit, income, assets, and property data to ensure compliance with lending guidelines and risk standards.
- Proficiency in initiating and processing loan applications, including gathering documentation, evaluating eligibility, and coordinating with stakeholders through closing.
- Experience in generating new mortgage business through client engagement, pre-qualification, and application support, ensuring adherence to regulatory and internal policies.
- Knowledge of the full mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures.
- Understanding of mortgage loan products, structures, and repayment terms, with the ability to guide borrowers through financing options and obligations.
- Skill in promoting mortgage products, building client relationships, and meeting sales targets through consultative selling and market awareness.
- Expertise in providing financing solutions for residential or commercial real estate, including risk assessment, loan structuring, and regulatory compliance.
- Capability to evaluate loan applications by analyzing financial statements, credit reports, and collateral to determine creditworthiness and repayment ability.
- Familiarity with Federal Housing Administration (FHA) loan programs, including eligibility criteria, documentation requirements, and underwriting guidelines.
- Understanding of Fannie Mae guidelines and processes, including loan delivery, eligibility standards, and secondary market practices.
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.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation. Please click here for a list of benefits for which this position is eligible.
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.
Job Posting Expiration Date: 01/29/2027
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.
LI-Hybrid
Location:
4910 Tiedeman Road, Brooklyn Ohio
Job Summary
The Home Lending Center (HLC) Loan Officer (LO) assists clients with the origination of residential mortgage loans, offering analysis and advice on home lending solutions that align with clients' financial goals. This role involves developing referral sources to grow Key's home lending business and client base. The HLC LO is expected to meet or exceed sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect and develop new client relationships and loan originations through internal referrals and external centers of influence.
- Originate and process targeted number of family residential real estate mortgage transactions in line with Home Lending guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather necessary documentation at loan registration and serve as the primary client contact throughout the loan process.
- Maintain high standards of client satisfaction and loan quality, ensuring efficient use of sales/originator systems and workflows.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Stay informed on real estate market trends and mortgage industry developments.
- 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 Business related field or equivalent experience (preferred)
Work Experience
- 1+ years Mortgage sales (required)
- 1+ years Mortgage processing experience (preferred)
- 1+ years A 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 written and verbal communication
- Strong customer service orientation
- Ability to prioritize and manage multiple tasks
- Proficiency in outbound calling
- Proficiency in sales/originator systems and workflow management
- Ability to assess borrower risk by analyzing credit, income, assets, and property data to ensure compliance with lending guidelines and risk standards.
- Proficiency in initiating and processing loan applications, including gathering documentation, evaluating eligibility, and coordinating with stakeholders through closing.
- Experience in generating new mortgage business through client engagement, pre-qualification, and application support, ensuring adherence to regulatory and internal policies.
- Knowledge of the full mortgage lifecycle, including application intake, underwriting, processing, closing, and post-closing procedures.
- Understanding of mortgage loan products, structures, and repayment terms, with the ability to guide borrowers through financing options and obligations.
- Skill in promoting mortgage products, building client relationships, and meeting sales targets through consultative selling and market awareness.
- Expertise in providing financing solutions for residential or commercial real estate, including risk assessment, loan structuring, and regulatory compliance.
- Capability to evaluate loan applications by analyzing financial statements, credit reports, and collateral to determine creditworthiness and repayment ability.
- Familiarity with Federal Housing Administration (FHA) loan programs, including eligibility criteria, documentation requirements, and underwriting guidelines.
- Understanding of Fannie Mae guidelines and processes, including loan delivery, eligibility standards, and secondary market practices.
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.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation. Please click here for a list of benefits for which this position is eligible.
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.
Job Posting Expiration Date: 01/29/2027
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.
LI-Hybrid
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Get Access To All JobsTips for Finding OPT Sponsorship in Home Lending Advisor
Target W-2 positions, not 1099 roles
OPT requires a traditional employer-employee relationship. Home Lending Advisors are sometimes classified as independent contractors, which violates OPT terms. Confirm the role is W-2 before applying to avoid jeopardizing your work authorization status.
Connect your degree to the lending function
USCIS expects OPT work to be directly related to your field of study. A finance or economics degree maps clearly to home lending. Highlight that connection explicitly in your resume and cover letter to strengthen your authorization case.
Prioritize banks and credit unions over boutique brokerages
Large financial institutions like regional banks and credit unions have established HR and compliance teams familiar with OPT onboarding. Smaller mortgage brokerages may lack the infrastructure to handle work authorization paperwork efficiently or correctly.
Ask about the training period structure upfront
Many Home Lending Advisor roles include an extended salaried training phase before commission kicks in. Confirm the training timeline so your OPT window covers meaningful, authorized work experience rather than expiring mid-ramp.
Document your employment start date carefully
Your OPT authorization begins on the date listed on your EAD card, not your offer letter date. Coordinate your start date with HR to ensure you are not working before your EAD is valid, which would constitute unauthorized employment.
Apply to STEM OPT extension-eligible roles if your degree qualifies
Finance and economics programs at STEM-designated schools may qualify for a 24-month OPT extension. Confirm your program's CIP code with your DSO early, as this significantly extends how long you can work in this role.
Home Lending Advisor OPT: Frequently Asked Questions
Can I work as a Home Lending Advisor on OPT?
Yes, if your degree is in finance, economics, business, or a closely related field and the role is a W-2 position. The work must be directly related to your major. Many Home Lending Advisor roles at banks and credit unions meet this standard. Independent contractor or pure commission-only arrangements without an employer-employee relationship are not OPT-eligible.
Do Home Lending Advisor employers typically sponsor OPT students?
Large banks and credit unions routinely hire OPT students because they already have compliance processes in place for verifying work authorization. Smaller mortgage brokerages are less consistent. When browsing opportunities, Migrate Mate filters for employers open to OPT candidates, which saves significant time compared to applying broadly and asking case by case.
Does a commission-based compensation structure affect my OPT eligibility?
Commission income itself does not disqualify you, but the employment classification matters. You must be a W-2 employee, not a 1099 independent contractor. Some Home Lending Advisor roles blend a base salary with commission, which is fine. Roles structured as pure independent contractor arrangements are not authorized under OPT and could put your immigration status at risk.
What happens to my OPT status if my Home Lending Advisor role ends before my EAD expires?
You have a 60-day unemployment grace period total during your OPT window. If your role ends, you can use that time to find a new authorized position. Gaps beyond 60 cumulative days of unemployment violate OPT terms and require you to either change status or depart the U.S. Notify your DSO immediately when employment ends.
Does a Home Lending Advisor role qualify for the STEM OPT extension?
It depends on whether your degree program holds a STEM-designated CIP code. Finance and economics programs at some universities are STEM-designated, while others are not. Confirm your program's designation with your DSO before assuming you qualify. If you do qualify, the 24-month extension gives you significantly more runway in this career track.