Home Lending Originator

NBT Bank•Torrington, CT

9d•$38,480 - $220,000

About The Position

The Home Lending Originator drives company growth by originating residential mortgage and home equity applications in accordance with established policies, procedures, and legal and regulatory guidelines. The role develops and executes business plans to meet and exceed sales goals, builds and maintains outside referral networks in assigned territories, and works with current and prospective customers to explain mortgage products and recommend options based on their needs. The originator coordinates documentation from application through closing and works with the parties involved in each transaction. The position also refers customers to other NBT Bank products and services when appropriate. The role includes a base rate plus commissions, with total potential annual earnings of $38,480–$220,000. A flexible schedule includes evening hours, and evening and weekend hours are required for meetings, appointments, and business or industry networking events. Travel is less than 50%. NMLS certification is required or must be obtained upon hire; a driver's license and reliable transportation are required.

Requirements

Associate's degree in business or a related discipline and two years of sales experience, or an equivalent combination of education and experience.
Proficiency with Microsoft Office, including Word, Excel, PowerPoint, and Outlook.
Ability to cold-call prospects, network, and develop outside business referrals.
Strong verbal and written communication skills.
Ability to multitask in a fast-paced environment.
Knowledge of a variety of mortgage loan products.
Ability to analyze credit reports and income and asset calculations.
NMLS certification, or ability to obtain it upon hire.
Driver's license and reliable transportation.
Authorization to work for any employer in the United States; visa sponsorship is not available.

Nice To Haves

Two years of mortgage or lending experience.

Responsibilities

Originate mortgage loans and participate in related business development activities.
Develop plans to achieve sales goals, prepare and deliver sales presentations, attend industry networking events, and contact realtors, builders, and developers to develop outside referral sources.
Coordinate sales and product training activities with retail branches.
Meet with prospective customers, explain available mortgage products and services, and recommend options based on an assessment of their needs.
Negotiate loan terms and conditions within approved authority and finalize sales; attend closings as needed.
Refer and sell other NBT products and services as appropriate.
Obtain and analyze relevant financial and credit data.
Ensure required loan forms and legal documents are prepared and processed.
Create system files containing documentation for underwriting and regulatory purposes.
Perform other duties as assigned.

Benefits

At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
Six weeks of paid parental leave at 100% of salary.
Medical coverage, including employer HSA contributions for participants in the High Deductible Health Plan.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short- and long-term disability coverage, with an option to purchase additional long-term coverage.
Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) with employer matching, optional Roth 401(k), and a pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking services benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Development programs and tools.