Residential Mortgage Officer

Institution for Savings; Ipswich (MA); Presencial; USD 70.000 - 100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical Insurance

Dental Insurance

Vision Insurance

401(k) Match

Life Insurance

Disability Insurance

Pension Plan

Paid Time Off

Descripción de la vacante

Institution for Savings is seeking a full-time Residential Mortgage Officer to join the lending team in Ipswich, MA. This in-person role blends office work at the Ipswich office with proactive local business development and community engagement, delivering exceptional customer service.

The candidate will handle loan appraisals, credit checks, and package preparation, aiming for timely closings while promoting additional bank products. Equal opportunity employer.

Formación

• Bachelor's degree preferred or minimum of five years in residential lending including secondary market.
• Effective interviewing, presentation and communication skills.
• Strong analytical and quantitative skills with problem-solving ability.
• Independently motivated, goal-oriented, with strong time management.
• Team player who supports bank growth and works across departments.

Responsabilidades

• Request appraisals, credit reports, background and reference checks for loan applicants.
• Analyze financial status and property value to determine loan feasibility.
• Interview applicants or creditors to resolve questions on information.
• Compile loan packages and negotiate terms and fees with applicants.
• Ensure loan agreements are complete and accurate per policy.
• Coordinate timely loan closing and funding activities.
• Promote and cross-sell other bank products and services.

Conocimientos

Interviewing

Communication

Analytical thinking

Problem solving

Organization

Teamwork

Educación

Bachelor's degree or 5+ years lending experience

Herramientas

Excel

Word

Encompass

Jack Henry

Descripción del empleo

Seeking a full-time Residential Mortgage Officer to join the Institution for Savings lending team. The ideal candidate will be responsible for generating residential mortgage loans through a combination of in-office work at the Bank's Ipswich Office, as well as proactive out-of-office business development, community engagement and exceptional customer service. This position is in-person working at the Bank's Ipswich office.

Key Responsibilities:

• Request property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loans and/or submits applications to credit analyst for verification and recommendations.
• Corresponds with or interviews applicants or creditors to resolve questions regarding applicant information.
• Compile loan packages and facilitate negotiations with applicants pursuant to Bank standards, including fees, loan repayment options and other credit terms.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Promotes and cross-sells other bank products and services as appropriate to customer.

Qualifications:

• Bachelor's degree preferred or a minimum of five years demonstrated successful work-related experience in all aspects of residential lending including secondary market.
• Effective interviewing, presentation and communication skills.
• Strong analytical and quantitative skills and proven problem-solving ability.
• Highly motivated, goal-oriented, and able to work independently. Utilizes strong organization skills to perform and prioritize a high volume of tasks simultaneously.
• Consistently achieves goals and meets strict deadlines while maintaining excellent attention to context, substance and detail.
• Embraces the team-oriented culture and works collaboratively across the Bank to support the Bank's strategic growth plans.
• NMLS registration required
• Valid driver's licenses and willingness to travel locally for meetings, events, etc.
• Microsoft Excel and Microsoft Word experience required. Knowledge of Encompass and Jack Henry software preferred but not required.

The salary range listed is just one component of the Bank's total compensation package.

• fully paid medical, dental and vision insurance, as well as dollar-for-dollar 401(k) match up to 10%
• life insurance
• disability plan
• pension plan after 2 years of service
• generous vacation and paid-time off

The Institution for Savings is an Equal Opportunity Employer. Member FDIC. Member DIF.