Mortgage Originator

NBT Bancorp Inc.; City of Glens Falls (NY); Presencial; USD 33 280 - 220 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Generous Paid Time Off

Medical Coverage

Dental and Vision Coverage

401(k) with employer matching

Parental Leave

Resumo da oferta

NBT Bank in New York seeks a Mortgage Originator to grow residential mortgage and home equity lending by building a network of outside referrals and guiding clients through the loan process from application to closing.

The role requires evening hours and weekend availability, plus an NMLS certification (or ability to obtain on hire). Travel up to 50% and strong networking are essential to meet sales goals. This position offers competitive compensation including commissions.

Qualificações

• Associate’s degree in business or related discipline. Two years of sales or equivalent experience.
• Two years mortgage or lending experience preferred.
• NMLS Certification required or ability to obtain upon hire.

Responsabilidades

• Originate mortgage loans and participate in business development activities to meet sales goals.
• Meet with prospects, explain mortgage products and services, and offer recommendations.
• Negotiate loan terms within authority and finalize sales; attend closings as needed.
• Obtain and analyze financial and credit data; prepare forms and documents for underwriting.

Conhecimentos

Microsoft Office

Cold calling

Networking

Verbal and written communication

Multi-tasking

Mortgage product knowledge

Credit analysis

Formação académica

Associate’s degree in business or related discipline

Ferramentas

Microsoft Office

Descrição da oferta de emprego

This job includes a base rate plus commissions. Total Potential Annual Earnings: $33,280 - $220,000 Responsible for driving the growth of our company by originating residential mortgage and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines. Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives. Maintains a network of outside referral sources in assigned territories. Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs. Coordinates the flow of documentation from application to closing while also working with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate.

Education and Experience

Associate’s degree in business or related discipline and two (2) years’ experience in sales or equivalent combination of education and experience. Two (2) years mortgage or lending experience preferred.

Skills and Abilities

Proficient with Microsoft Office – Word, Excel, PowerPoint, Outlook Ability to cold call prospects; network and develop outside business referrals. Strong Verbal and Written Communication skills Ability to multi-task in fast paced environment Knowledge of a variety of mortgage loan products Ability to analyze credit reports and income and asset calculations.

Unique Job Characteristics and Requirements

Flexible schedule includes evening hours and managing timely workflow. Requires evening and weekend hours for meetings, appointments, and business/industry networking events. NMLS Certification required or ability to obtain upon hire. Travel less than 50% Driver's License required Reliable transportation required.

Tasks Performed

• 40% Originate mortgage loans and participate in related business development activities. Develop plan to achieve sales goals, develop and deliver sales presentations, attend industry networking events and contact realtors, builders and developers to build a network of outside referral sources. Coordinate sales and product training activities with retail branches.
• 35% Meet with prospects, explain variety of mortgage products and services available and offer recommendations based on evaluation of individual prospect needs.
• 10% Negotiate terms and conditions of loans within approved authority and finalize sales. Attend closings as needed. Sell other NBT and services as appropriate.
• 10% Obtain and analyze pertinent financial and credit data. Ensure the preparation and processing of forms and legal documents required for loans. Create system files with documentation for underwriting, and regulatory purposes.
• 5% Other duties as assigned.

Physical Requirements

Communicate effectively with internal and/or external customers Stationary 50% of time Move about within or between locations Bend, Twist, Crouch, Squat Move Objects to Maximum 10 lbs.

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success.

Wellbeing

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally.

Community Involvement

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace.

Culture

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued.

Career Development

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential.

Total Rewards

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.

Business Stability

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan.

Benefits for Full-Time Employees

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
• Parental Leave: Six weeks of paid leave at 100% of your salary.
• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
• Dental and Vision Coverage: Ensuring your overall health and well-being.
• Flexible Spending Accounts: For healthcare and dependent care expenses.
• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
• Voluntary Benefits: Including hospital, accident, and critical illness coverage.
• Retirement Plans:Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
• Adoption Assistance: Supporting your growing family.
• Tuition Reimbursement: Invest in your education and career growth.
• Employee Assistance Program (EAP): Access to support and resources.
• Pet Insurance: For all your furry friends.
• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Benefits for Part-Time Employees Working 20+ Hours/Week

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
• Dental and Vision Coverage: Ensuring your overall health and well-being.
• Voluntary Benefits: Including hospital, accident, and critical illness coverage.
• Generous Parental Leave: Six weeks of paid leave at 100% of your salary.

Benefits for All Part-Time Employees

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future.
• Paid Sick and Safe Leave: For your health and safety.
• Employee Assistance Program (EAP): Access to support and resources.
• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time.

NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees.

Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.

EEO Statement

EEO is the law EEO is the Law Poster Supplement Pay Transparency Nondiscrimination Provision Family Medical Leave Act (FMLA) Poster Employee Polygraph Protection Act (EPPA) NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at [e-mail]. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.