Mortgage Loan Consultant (Base Pay + Commission)

Community Bank, N.A.; Town of Canandaigua (NY); Presencial; USD 21 855 - 31 127; Tempo integral

Vantagens oferecidas por esta oferta de emprego

11 paid holidays

Medical, vision, dental insurance

401(k) with generous match

Tuition reimbursement

Banking discounts

Resumo da oferta

Community Bank, N.A. is seeking a Mortgage Loan Consultant to join their Retail Banking Team in Canandaigua, NY. The role involves originating mortgage loans, building crucial client relationships, and ensuring regulatory compliance.

Ideal candidates should have a minimum of 3 years' experience in financial sales, be proficient in mortgage products, and hold an NMLS registration. A comprehensive onboarding training program is provided, along with competitive compensation and benefits.

Qualificações

• Valid driver's license.
• Minimum 3+ years of experience in a professional sales environment.
• NMLS registration under the SAFE Act is required.
• Proficiency in mortgage software and strong communication abilities.

Responsabilidades

• Proactively generate mortgage loan opportunities through networking and outreach.
• Identify customer needs and present tailored mortgage solutions.
• Educate customers on loan programs and market trends.
• Oversee loan application lifecycle from application to closing.
• Maintain compliance with federal and state mortgage regulations.

Conhecimentos

Customer relationship management

Sales experience

Mortgage product knowledge

Verbal/written communication

Regulatory compliance

Relationship building

Formação académica

Associate's degree or equivalent

High School Diploma or GED

Ferramentas

Mortgage software

CRM systems

Descrição da oferta de emprego

Overview

At Community Financial System, Inc. (CFSI), we provide high‑quality financial services across retail, commercial, wealth management, investment, insurance, and risk management sectors. Our Community Bank, N.A. operates more than 200 customer facilities in Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.

Responsibilities

As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals. Responsibilities include:

• Grow Your Pipeline – Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources.
• Close More Deals – Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing.
• Be the Go‑To Expert – Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies.
• Deliver White‑Glove Service – Conduct personalized consultations in‑office or at convenient locations to ensure a seamless borrowing experience.
• Maximize Cross‑Selling Opportunities – Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.
• Own the Loan Process – Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.
• Stay Ahead of the Market – Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.
• Make an Impact – Represent the bank at local business and community events, delivering exceptional value and building brand awareness.
• Drive Compliance & Excellence – Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensuring adherence to policies, procedures, and internal controls, and meeting all training requirements in a timely manner.
• Perform other related duties as assigned or directed.

Ancillary Duties

• Cooperate with other members of the department to achieve department goals.
• Cooperate with employees of other departments to provide quality service, solve problems, and achieve bank goals.

Qualifications

• Education: An Associate’s degree or equivalent preferred; High School Diploma or GED required.
• Specialized Banking and lending education and training.
• Valid driver’s license.
• All applicants must be 18 years of age or older.
• Minimum 3+ years of experience in a professional sales environment in financial services.
• NMLS registration under the SAFE Act is required; candidates who do not currently hold NMLS registration must obtain and maintain registration upon hire.
• Active NMLS registration under The SAFE Act.
• Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities.
• Strong relationship‑building skills and the ability to generate referrals and new business opportunities.
• Understanding of mortgage products, underwriting guidelines, and regulatory requirements.
• Willingness to embrace new ideas, share perspectives, and participate in ongoing sales coaching and mentorship.
• Consistent demonstration of the company’s core values: Integrity, Excellence, Teamwork, and Humility.

Training Program

As part of onboarding, Community Bank provides exclusive access to MBA Education’s School of Loan Origination (SOLO), an instructor‑led program covering accurate loan applications, credit evaluation, loan products and pricing, transaction structuring, real‑world case studies, and strategies to grow business while serving the community.

Other Information

• Hours: 40 hours/week.
• Compensation: Consistent hourly pay complemented by a lucrative commission structure. Minimum and maximum hourly rate: USD $19.23/hr.
• Benefits include 11 paid holidays, paid vacation, medical, vision, dental insurance, 401(k) with generous match, pension, tuition reimbursement, banking discounts, and more.
• Physical Requirements: Employee may stand, walk, or sit, use hands and fingers, handle or feel, reach with arms, speak, and hear. Occasional lifting of up to 25 pounds. Requires close vision and focus.

Equal Employment Opportunity

The Company is an affirmative‑action, equal‑opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state, or local law. The Company will make reasonable accommodations for qualified individuals with a disability.