OPT Loan Officer Jobs
Loan Officer jobs on OPT are available at banks, credit unions, mortgage companies, and fintech lenders. Most roles require a finance, economics, or business degree, which aligns well with OPT eligibility. Your 12-month OPT window (or 24-month STEM extension if your degree qualifies) gives employers a real runway to evaluate sponsorship.
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Get Access To All JobsLocation:
6820 Perimeter Loop Road - Dublin, Ohio 43017
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 $15.00 hourly.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 08/03/2026
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:
6820 Perimeter Loop Road - Dublin, Ohio 43017
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 $15.00 hourly.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 08/03/2026
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 118+ OPT Loan Officer Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Loan Officer Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship in Loan Officer
Target employers who already file H-1B petitions
Banks and financial institutions with dedicated compliance teams are far more likely to sponsor visas than small independent brokerages. Look for employers with a documented history of H-1B visa filings in the financial services sector before applying.
Pursue your NMLS license before interviewing
Most Loan Officer roles require a Mortgage Loan Originator license through NMLS. Completing the pre-licensing coursework and exam before your job search signals readiness and removes a common employer concern about onboarding timelines for OPT candidates.
Lead with your STEM OPT extension if your degree qualifies
Finance and economics degrees from STEM-designated programs qualify for the 24-month STEM OPT extension. Mentioning this upfront gives employers a 36-month total window, which meaningfully reduces urgency around the H-1B lottery timeline.
Frame your international background as a lending asset
Bilingual Loan Officers serving immigrant or non-English-speaking communities are in genuine demand. If you speak Mandarin, Hindi, Spanish, or another language, make that prominent in applications targeting community banks and credit unions with diverse borrower bases.
Apply to fintech lenders alongside traditional banks
Fintech companies originating mortgages or personal loans tend to have legal infrastructure already built for international hiring. They often move faster on sponsorship decisions than large traditional banks with slower HR processes and committee-based approval structures.
Be transparent about your OPT timeline early in conversations
Avoid surprises late in the hiring process. Disclosing your authorization end date during the second interview or after an offer creates friction. Employers who understand the timeline from the start are better positioned to plan sponsorship alongside your onboarding.
Loan Officer OPT: Frequently Asked Questions
Can I work as a Loan Officer on OPT?
Yes. Loan Officer roles qualify under OPT as long as your job is directly related to your degree field, typically finance, economics, business, or accounting. You must have a valid EAD card before starting work. If your degree program carries a STEM designation, you may also be eligible for the 24-month STEM OPT extension, giving you up to 36 months of total work authorization.
Do Loan Officer employers typically sponsor H-1B visas?
Sponsorship varies significantly by employer type. Large banks, national mortgage lenders, and established fintech companies with in-house legal teams are most likely to sponsor. Small independent brokerages and community lenders rarely do. Migrate Mate filters Loan Officer listings by sponsorship history, so you can focus your applications on employers who have actually filed H-1B petitions for this role category.
Does working as a Loan Officer on OPT count as qualifying employment for STEM extension?
It depends on your degree. If you graduated from a finance, quantitative economics, or data-focused business program that carries a STEM CIP code, your Loan Officer role may qualify for the 24-month STEM extension. You must confirm your degree program's designation with your DSO and file Form I-765 before your initial OPT expires. Not all business degrees are STEM-designated.
Do I need an NMLS license to work as a Loan Officer on OPT?
Most residential mortgage origination roles require an NMLS Mortgage Loan Originator license, which involves pre-licensing education, a federal exam, a background check, and state registration. OPT students can obtain NMLS licensure, but background check requirements vary by state. Commercial lending and loan analyst roles at banks sometimes do not require NMLS licensure, making them more accessible while you're still building credentials.
How should I track my OPT employment to stay in status as a Loan Officer?
SEVP requires that OPT employment be reported through your school's DSO within 10 days of starting a new job. Your Loan Officer role must be directly related to your degree and constitute at least 20 hours per week to count as qualifying employment. Keep records of your employment dates, employer name, and job duties. Your DSO updates your SEVIS record, and gaps in qualifying employment can affect your visa status.