Under the general
direction of the Senior Vice President/Chief Lending Officer, solicits and develops
new sources of business and loan opportunities and originates residential loan
products in accordance with established Bank policies and procedures.
We are looking
for candidates with:
Proven loan origination sales experience at local bank or mortgage lender
2 or more years of mortgage origination experience
Familiarity with Middlesex County preferred
Knowledge and understanding of secondary market
Well developed interpersonal, communication and
customer service skills
Ability to travel freely and work without
Essential Job Functions:
Responsible for selling and originating high quality
mortgage loans to meet established production goals. Develops relationships
with attorneys, local housing agencies, developers and real estate brokers to
generate new mortgage business.
Solicits customers generated through various channels,
including but not limited to external contacts, First Time Home Buyer seminars,
telephone or electronic e-mail leads, the Bank’s website, etc. Analyzes each applicant's data, working with
the borrower to prepare a complete application. Initiates processing and conducts
preliminary underwriting. Determines and
recommends appropriate loan products to meet the needs of the customer. Approves
consumer loans up to established limits.
Manages the customer experience. Serves as the liaison between all parties
i.e. Brokers, borrowers, and the Bank during the application process for
mortgage loans. Prior to closings, acts
as liaison with attorneys to ensure documentation is accurate and consistent. Responds to customer questions and inquiries.
Establishes and maintains effective working relationships
with Banking Center personnel, providing guidance as needed. Maintains a
general understanding of all products and services offered to effectively
present these products and services to customers.
Represents the Bank by participating in various networking, community
and industry related activities which includes but is not limited to speaking
at Mortgage Seminars, representing the Bank at Mortgage Trade Fairs, acting as
a Mortgage Consultant at banking centers, etc.
Promotes Bank services and products to potential customers when
Keeps abreast of residential and consumer loan products and
the applicable State and Federal regulations and compliance issues. Complies fully with all federal, state and
local laws and regulations, policies and procedures, including but not limited
to the S.A.F.E. Act and its registration, renewal and updating standards.
Analyzes each applicant's loan and deposit relationship with
the Bank, reviewing how various Bank products may address an applicant's
banking needs and ensuring that any appropriate cross sale opportunities have
Assists with special assignments/projects, and in the
development of new products and services to remain competitive.