Lending Officer

Hanover Community Bank•Village of Mineola, NY

8d•Onsite

About The Position

Hanover Bank is looking for a full-time Lending Officer to join our team. The Lending Officer is primarily responsible for retaining and developing new and existing 1 -4 family loan relationships with the brokerage sector. The individual is directly responsible for managing all third-party loan referrals. This individual will function as a liaison between the mortgage broker and operations staff ensuring excellent levels of customer service, a seamless process, and acceptable response times. Provide quality feedback on the loan process, concerns, product needs, and general feedback from our broker base.

Requirements

Wholesale lending, 3 years (Required)
Knowledge and understanding of all State and Federal regulations applicable to residential mortgage lending including but not limited to Regulation B (ECOA), C (HMDA), G (S.A.F.E) Act, X (RESPA) and Z
Use of interpersonal and communication skills to interact with the public and represent the Bank at community development functions.
Ability to develop and maintain client relationships, market trends and developments in the Bank’s market area.
Availability to customarily and regularly engage away from the Bank's facilities in making sales calls, obtaining applications, and meeting with potential borrowers.
Proficient in sales and service skills; including prospecting, networking and relationship management
Strong financial acumen and goal-oriented skills
This position is subject to the Dodd Frank Truth in Lending Act qualification requirements for Loan Originators and requires successful National Mortgage Licensing System and Registry (NMLS) registration under the S.A.F.E. Act

Nice To Haves

Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Speaking – Talking to others to convey information effectively.
Reading Comprehension – Understanding written sentences and paragraphs in work-related documents.
Time Management – Managing one’s own time and the time of others.
Service Orientation – Actively looking for ways to help people.
Negotiation - Bringing others together and trying to reconcile differences.

Responsibilities

Responsible for maintaining excellent response times and customer service levels with our network of broker contacts.
Possess a strong knowledge of all loan products, policies and procedures, and underwriting requirements.
Monitor customer loyalty and disloyalty performance levels to include ensuring timely and proactive communication; regular broker contact and site visits to explain current and new loan products; calls to brokers; and provide remediation process support as needed.
Understand the residential loan process for processing, underwriting, closing, and funding of all 1 to 4 family residential loans.
Develop and maintain a high degree of visibility and credibility for Hanover in the marketplace
Actively communicate new products and promote existing products with brokerage base
Create special marketing campaigns promoting our product menu in conjunction with the Director of Sales
Perform other job-related duties as assigned

Benefits

Medical, Dental, and Vision insurance (with HSA, FSA, and Commuter Benefits options)
Company-paid Life Insurance and Accidental Death & Dismemberment (AD&D)
Company-paid Long-Term Disability Insurance
Additional Life and AD&D Insurance for employee, spouse, and dependents
Voluntary Short-Term Disability Insurance
Pet Insurance
Legal Services Plan
Accident Insurance
Hospital Indemnity Insurance
Cancer Care Insurance
401(k) Plan with Company Match
Paid Personal Time Off (PTO)
Paid Company Holidays
Annual Performance Bonuses
Annual Salary Increases
Company-sponsored Events
Employee Contests and Recognition Programs