Residential & Consumer Mortgage Loan Originator

Hire Our Heroes Veteran Job Board; Windsor (CT); On-site; USD 70,000 - 120,000; Full time

Job summary

Join a leading financial institution as a Residential & Consumer Mortgage Loan Originator, pivotal in assisting clients with their homeownership aspirations. This role offers a competitive compensation package and the opportunity for community involvement while leveraging strong referral relationships. Ideal candidates should possess significant experience in residential lending and a robust understanding of various loan programs.

Benefits

Vacation and personal days

Paid sick time

401(k) participation

Profit sharing

Qualifications

• Minimum 5 years in residential lending with proven $20 million originations.
• Strong knowledge of FHA, VA, and conventional loan programs.
• Valid state driver’s license required.

Responsibilities

• Guide borrowers through the loan process ensuring exceptional customer care.
• Develop referral relationships with real estate and financial professionals.
• Manage loan applications and ensure compliance with regulations.

Skills

Financial Analysis

Customer Engagement

Loan Processing

Education

NMLS Registration

Tools

Encompass LOS

Job description

Residential & Consumer Mortgage Loan Originator

Join to apply for the Residential & Consumer Mortgage Loan Originator role at Hire Our Heroes Veteran Job Board

Residential & Consumer Mortgage Loan Originator

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Join to apply for the Residential & Consumer Mortgage Loan Originator role at Hire Our Heroes Veteran Job Board

Position Summary

At Windsor Federal Bank, the Residential & Consumer Mortgage Loan Originator serves as a trusted advisor and lending expert, guiding clients through the stages of the mortgage and consumer loan process—from initial inquiry to successful closing. This role is pivotal in helping individuals and families realize their homeownership and borrowing goals by providing tailored advice, timely communication, and exceptional customer care throughout the pre-approval, application, and closing phases.

Position Summary

At Windsor Federal Bank, the Residential & Consumer Mortgage Loan Originator serves as a trusted advisor and lending expert, guiding clients through the stages of the mortgage and consumer loan process—from initial inquiry to successful closing. This role is pivotal in helping individuals and families realize their homeownership and borrowing goals by providing tailored advice, timely communication, and exceptional customer care throughout the pre-approval, application, and closing phases.

This position is responsible for developing and maintaining strong relationships with a wide range of referral sources—including real estate agents, attorneys, financial advisors, and internal partners—to generate new business and meet both individual and organizational lending goals. The Loan Originator also represents Windsor Federal Bank in the community by participating in outreach efforts and financial education initiatives.

Essential Functions

• Originate and Advise: Guide potential borrowers through the residential and consumer loan process, offering personalized advice and financial education at every step—from initial inquiry and pre-qualification through application, underwriting, and closing.
• Build Referral Relationships: Proactively develop and nurture referral relationships with real estate professionals, attorneys, investment advisors, internal bank employees, and community organizations to drive loan originations.
• Client Engagement: Conduct in-person, phone, and/or virtual meetings to evaluate borrowers' financial profiles and lending needs, ensuring a positive and informed customer experience.
• Loan Application Management: Prepare and submit complete, accurate loan applications and ensure timely delivery of all required disclosures and documentation in compliance with regulatory guidelines.
• Customer Follow-Up: Maintain regular and proactive communication with clients, referral partners, and internal departments to ensure timely updates and an efficient closing process.
• Market Expertise: Stay informed about current real estate and lending trends, local market conditions, and changes to federal and state regulations affecting residential and consumer lending.
• Community Involvement: Represent the bank at real estate and community events, homebuyer seminars, and local business activities to promote awareness and increase visibility of Windsor Federal’s mortgage offerings.
• Cross-Selling: Identify opportunities to recommend complementary financial products such as deposit accounts, home equity loans, and consumer lending services.
  
  

Required Education / Experience / Skills

• Minimum of five (5) years of experience in residential lending, with a proven track record of $20 million or higher in annual mortgage originations or equivalent underwriting expertise in accordance with secondary market standards.
• In-depth knowledge of conventional, FHA, VA, CHFA and proprietary loan programs, along with compliance regulations including HMDA, ECOA, TILA, and RESPA.
• Strong financial analysis skills, particularly in evaluating personal and business tax returns.
• Proficiency in using mortgage lending software (preferably Encompass LOS) and related technology platforms.
• Valid state driver’s license and reliable transportation for making outside sales calls and/or to meet loan applicants as needed.
• Requires the National Mortgage Licensing System (NMLS) Registration.
• Ability to work independently while collaborating effectively with colleagues and leadership.
  
  

Windsor Federal Bank, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.

For consideration, qualified applicants may email a cover letter and resume to [e-mail].

Windsor Federal Bank, 270 Broad Street, Windsor, CT 06095

An Equal Opporutnity Employer

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Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Technology, Information and Internet

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