Mortgage Loan Officer

Berkshire Bank Albany , NY 12201

Posted 1 week ago

Division: Retail Banking

Department: Home Lending

Reports to: Sales Manager

Status: Non-exempt

Grade: Commission

Location: Albany, NY

Purpose/Objective:

Originates quality residential mortgage loans under a variety of programs by establishing a solid referral base. Cross sells the Bank's products and lending services to the community during and after traditional banking hours, and at off-site locations.

Key Accountabilities:

  • Maintains a network of outside & inside referral sources, including individuals and organizations likely to produce mortgage referrals such as real estate brokers, attorneys, accountants, builders, financial planners and other business professionals. Promotes the Bank's residential products by maintaining regular contact with referral sources to generate new mortgage business.

  • Originates mortgage loans, pre-qualifies borrowers, counsels prospective buyers to determine needs and match with appropriate Bank program. Ensures quality and timeliness of mortgage application documentation. Follows up with applicants for information as needed.

  • Continuously monitors personal pipeline, manages expected closing dates, provides timely and accurate information to borrowers, closing agents, real estate brokers and appraisers to minimize customer service issues and provide overall quality customer service.

  • Maintains comprehensive knowledge of the Bank's mortgage and other company products and services; maintains general knowledge of mortgage industry, including maintaining an in-depth knowledge of state and federal mortgage laws and regulations.

  • Plans, coordinates and participates in activities that promote homeownership, including homebuyer seminars, home shows, broker's meetings and other home financing workshops. Maintains community involvement by serving on boards of organizations in relevant, Bank-approved areas to positively represent the Bank in the local community.

  • Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one's duties.

  • Must be eligible to be registered in the Nationwide Mortgage Licensing System & Registry for purposes of SAFE Act.

Education:

  • High school diploma

  • Some college preferred

Experience:

  • 3 years residential lending sales experience

  • Knowledge of secondary market experience

Skills & Knowledge:

  • Superior sales skills

  • Knowledge of laws pertaining to mortgages

  • Strong interpersonal and communication (verbal/written) skills

  • Basic computer skills

Berkshire Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.

Albany, NY - 30 South Pearl St


icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Mortgage Loan Officer

Citizens Financial Group, Inc.

Posted 5 days ago

VIEW JOBS 1/31/2023 12:00:00 AM 2023-05-01T00:00 <p>Job ID: 23923</p><p>Full/Part Time: Full Time</p><p>Shift: 1ST</p><p>Description</p><p>At Citizens, you become a part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens is an established and successful financial services company with a branch presence in 12 states and the ability to conduct business globally. We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.</p><p>Citizens is honored to be a top Lender in the Mortgage sector and is passionate about growing our market share in the states we currently operate. We are currently hiring dedicated Mortgage Loan Officers who proactively identify, build and maintain a quality network of business relationships that serves as a source of referrals for new mortgage lending opportunities. External relationships are the cornerstone of generating new business and may consist of realtors, builders, professional and personal contacts. Our Loan Officers are encouraged to participate in business related development opportunities, community efforts to promote home ownership and professional organizations. You will be responsible for interviewing new and existing customers to determine their loan needs and advising those customers of appropriate products, terms, and pricing, while gather any additional required information. It will be necessary to generate complete mortgage applications, ensuring appropriate procedures and policies are followed, while meeting sales goals and objectives.</p><p>Responsibilities</p><ul><li>Go above and beyond for customers</li></ul><ul><li>Aspire to deliver outstanding customer service</li></ul><ul><li>Drive sales through service</li></ul><ul><li>Achieve sales and referral goals by developing a positive customer experience</li></ul><ul><li>Build book of business</li></ul><ul><li>Proactively seek ways to develop and expand customer relationships in order to contribute towards the branch success</li></ul><ul><li>Maximize personal productivity</li></ul><ul><li>Desire to improve personal efficiency through attention to detail, self-motivation, and adaptability to achieve branch and personal goals</li></ul><ul><li>Grow your own capabilities</li></ul><ul><li>Actively participate in opportunities to expand knowledge, influencing and interpersonal skills</li></ul><p>Qualifications</p><ul><li><p>BA/BS degree or equivalent experience in residential mortgage sales preferred</p></li><li><p>Three plus years of retail residential mortgage sales experience</p></li><li><p>Documented residential mortgage loan volume in the past 12 months of $12 million (minimum)</p></li><li><p>Established relationships with local referral networks</p></li><li><p>Ability to communicate clearly and effectively, both verbally and in writing, across a broad range of audiences</p></li><li><p>Strong computer skills and experience using laptop technology</p></li><li><p>Successful candidate must meet and follow all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.</p></li></ul><p>Hours and Work Schedule</p><ul><li>Hours per Week: 40</li><li>Work Schedule: M-F</li></ul><p>For commission based roles insert: Commissioned based. Individuals in this role have historically earned between $116,035.00 and $424,235.00, based on performance and productivity against commission plan parameters. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.</p><p>Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. This sales role is commission-based. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.</p><p>Benefits</p><p>We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.</p><p>View Benefits</p><p>Awards We've Received</p><p>The Banker's Bank of the Year</p><p>Dave Thomas Foundation for Adoption Top 100 Best Adoption-Friendly Workplace</p><p>DiversityInc</p><p>Noteworthy Company for Diversity</p><p>Human Rights Campaign Best Places to Work for LGBTQ Equality</p><p>Military Friendly Employer</p><p>Equal Employment Opportunity</p><p>Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.</p><p>Equal Employment and Opportunity Employer/Disabled/Veteran</p><p>Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.</p><p>Citizens is committed to ensuring that all interested candidates can successfully participate in our recruitment process. If you are an individual with a disability or require a reasonable accommodation, please see our Job Seeker Help policy.</p><br> Citizens Financial Group, Inc. Albany NY

Mortgage Loan Officer

Berkshire Bank