Mortgage Specialist / Originator - Kingston, NY

Ulster Savings•Kingston, NY

1d•Onsite

About The Position

Working at Ulster Savings Bank means being part of an enthusiastic team dedicated to serving customers, communities, and each other. We foster an environment that encourages growth and professional development. We offer a comprehensive benefits package, including paid time off, paid holidays, medical, dental, and vision insurance, a matching 401k plan, and educational assistance. Final candidates will undergo a pre-employment background check, including credit history. Ulster Savings Bank is Great Place To Work® Certified.

Requirements

Minimum three (3) years prior experience.
Must be registered with the NMLS and adhere to the requirements of the SAFE Act.
Ability to work independently and prospect new business within the market area.
Travel is essential.
Ability to travel.
Computer skills (Encompass, Word, Excel).
Excellent written and verbal communication skills.
Ability to analyze data and exercise discretion and judgment in making decisions which affect the Bank and or its subsidiaries.
Ability to interpret government regulations and mortgage loan documents.
Ability to promote the Bank's financial products and services and advise as to the appropriate financial product(s) to correspond to their financial needs.
Time management skills.

Nice To Haves

Bi-lingual is a plus.

Responsibilities

Originate residential mortgage loans for purchase and refinancing of one-to-four family dwellings, including home improvement and home equity loans.
Advise loan customers on the risks and benefits of various loan programs based on their financial information and place them in the most suitable program.
Solicit loan applications from prospective borrowers, real estate brokers and agents, builders, developers, attorneys, title insurance agencies, and other referral sources.
Regularly visit real estate brokers, agents, builders, developers, attorneys, and title insurance agencies to explain new mortgage products and maintain business relations.
Represent Ulster Savings Bank and its subsidiaries in the field, keeping the Bank informed of market changes and developments.
Develop new relationships with real estate brokers, attorneys, and financial planners to originate mortgage brokers.
Keep real estate brokers informed about the status of mortgage applicants, production numbers, and timely commitment or rejection of their files.
Deliver quality applications to processing and underwriting.
Complete all necessary information to serve the customer efficiently, using discretion and independent judgment to place customers in the correct lending program.
Obtain all pertinent data concerning each loan application transaction.
Market the Bank's subsidiaries' products, such as casualty and property insurance and title insurance, to loan applicants and assist in their delivery.
Maintain and submit complete records of all loan solicitations.
Accurately and timely complete rate locks and registrations in compliance with deadlines.
Follow and familiarize yourself with all policies and procedures outlined in the lending manual and by lending policies.
Attend all requested on-the-job or off-site training courses.
Abide and comply with all applicable federal and state lending laws and regulations.
Perform other duties as assigned by Ulster Savings Bank.
Regularly visit and build relationships with local nonprofits (e.g., RUPCO, PathStone, Hudson River Housing, Habitat for Humanity, Neighborworks, Patterns for Progress).
Regularly visit and build relationships with local community groups (e.g., churches, community centers).