Lending Officer

Hanover Bank; Village of Mineola (NY); On-site; USD 59,000 - 72,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

AD&D

Long-Term Disability

401(k) Match

Paid PTO

Holidays

Annual Bonuses

Annual Increases

Employee Events

Job summary

Hanover Bank is seeking a full-time Lending Officer to expand and manage 1-4 family loan relationships within the brokerage channel. You will act as the primary liaison between mortgage brokers and operations, ensuring excellent service, timely responses, and smooth processing from application to funding.

You will promote our loan products, monitor broker satisfaction, and help drive growth through proactive communications, site visits, and collaboration with sales leadership.

Qualifications

• Wholesale lending, 3 years (Required)
• Knowledge of State and Federal mortgage lending regulations (Reg B, Reg C, S.A.F.E., RESPA)
• Interpersonal and communication skills to engage with the public and community functions
• Ability to develop and maintain client relationships and market awareness
• Willingness to travel for sales calls and meetings with borrowers

Responsibilities

• Maintain excellent response times and customer service with the broker network.
• Know all loan products, policies, procedures, and underwriting requirements.
• Monitor loyalty metrics; conduct regular broker calls and site visits to explain products.
• Understand the residential loan process for processing, underwriting, closing, and funding 1-4 family loans.
• Build visibility and credibility for Hanover Bank in the market.
• Communicate new products; promote existing products to the broker base.
• Collaborate with Director of Sales to create targeted marketing campaigns.
• Perform other job-related duties as assigned.

Skills

Active Listening

Speaking

Reading Comprehension

Time Management

Service Orientation

Negotiation

Job description

Description

About Us:

Hanover Bank– When you love your work and the people you work with, careers are made!

Embracing diversity, valuing inclusion and showing respect are the foundation upon which we build our team. At Hanover Bank, inclusion means respecting personal beliefs and appreciating that we all have perspectives that matter. We are stronger together as we move toward a shared vision of personal and corporate growth.

Whether you are just starting out or a seasoned professional, working for Hanover Bank can launch you on a path to success. With a passion for excellence, we strive to deliver exceptional service to our clients, foster a positive impact in the communities in which we work and live and help our team members achieve their professional goals.

When you work with us you are empowered, engaged and encouraged to collaborate because every voice matters, every person counts!

Job Summary:

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.

Job Duties & 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

Education and Experience:

• 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

Skills and Abilities:

• 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.

Our Benefits:

Health & Wellness 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

Voluntary Benefits

• 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

Retirement

• 401(k) Plan with Company Match

Time Off & Recognition

• Paid Personal Time Off (PTO)
• Paid Company Holidays
• Annual Performance Bonuses
• Annual Salary Increases

Employee Engagement

• Company-sponsored Events
• Employee Contests and Recognition Programs

Salary:

$65,000.00

Hanover Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.