Home Lending Originator

NBT Bancorp•Torrington, CT

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 applicable legal and regulatory guidelines. The role develops and executes business plans to meet or exceed sales goals, builds and maintains outside referral networks in assigned territories, and works with current and prospective customers to explain available mortgage products and services 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 role also refers customers to other NBT Bank products and services when appropriate. This position requires a flexible schedule, including evening hours and evening and weekend availability for meetings, appointments, and industry networking events. Travel is less than 50%. An NMLS certification is required or must be obtainable upon hire; a driver's license and reliable transportation are also required. Total potential annual earnings, including base pay and commissions, are listed as $38,480–$220,000. NBT describes its workplace as supportive, with an emphasis on employee wellbeing, community involvement, culture, career development, total rewards, and business stability. Full-time employee benefits include paid time off, paid parental leave, medical, dental, and vision coverage, flexible spending accounts, disability and life insurance, voluntary benefits, retirement plans with employer matching and a pension, adoption assistance, tuition reimbursement, an employee assistance program, pet insurance, and banking and financial planning benefits. The posting also describes benefits for part-time employees.

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 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.
Applicants must be authorized to work for any employer in the United States; the employer is unable to sponsor an employment visa.

Nice To Haves

Two years of mortgage or lending experience is preferred.

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 build outside referral networks.
Coordinate sales and product training activities with retail branches.
Meet with prospects, explain mortgage products and services, and recommend options based on an evaluation of their needs.
Negotiate loan terms and conditions within approved authority and finalize sales.
Attend closings as needed and refer or sell other NBT products and services as appropriate.
Obtain and analyze pertinent financial and credit data.
Ensure preparation and processing of loan forms and legal documents, and create system files with 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 the option to purchase additional long-term coverage.
Employer-paid basic life insurance, with the option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) plan with employer matching, optional Roth 401(k), and pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking services benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Paid sick and safe leave for part-time employees.
Medical, dental, and vision coverage and voluntary benefits for part-time employees working 20 or more hours per week.