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Residential Lending Specialist

2 months ago


Concord, New Hampshire, United States Bar Harbor Bank & Trust Full time

Join Our Team as a Mortgage Loan Originator

Bar Harbor Bank & Trust, a leading financial institution in New England, is seeking a dedicated and responsible individual to become part of our Residential Lending team as a Mortgage Loan Originator.

The ideal candidate is a proactive professional who thrives on engaging with both new and existing clients, providing tailored lending solutions and complementary products that require advanced sales techniques. This role presents an excellent opportunity to collaborate with a well-established and successful residential lending department. Our organization offers cutting-edge technology solutions designed to enhance the performance of our dynamic team of mortgage experts.

Key Responsibilities:

  • Engage with clients or potential clients to promote the Bank's offerings, ensuring their needs are met while delivering exceptional customer service.
  • Build and sustain a network of developers, realtors, attorneys, accountants, and other influential referral sources.
  • Market and cross-promote the Bank's loan products and services using approved marketing materials.
  • Originate new mortgage and home equity loans, gathering all necessary information and documentation from clients.
  • Utilize various systems and applications to navigate products and recommend effective solutions from both inbound and outbound sales leads.
  • Skillfully design lending products with complementary offerings and pricing that lead to successful client sales.
  • Demonstrate consistent sales performance in terms of volume or units over time.
  • Stay updated on various loan options and confidently interview applicants to evaluate their loan needs.
  • Advise applicants on the most suitable options for their circumstances.
  • Ensure all required disclosures are communicated to clients, including necessary loan fees and costs.
  • Provide clients with progress updates and assist in resolving any discrepancies.

Required Qualifications:

  • Previous experience as a Mortgage Loan Originator is preferred but not mandatory.
  • Prior banking experience is essential.
  • A minimum of an Associate's degree or equivalent work experience is required.
  • Full competency in business mathematics and basic accounting principles.
  • Ability to analyze and interpret findings and results, drawing logical conclusions in daily responsibilities.
  • Flexibility to adapt to changing procedures, regulations, job assignments, technological advancements, and new equipment.
  • Proven track record of being a positive team member in a fast-paced, high-volume environment while managing multiple priorities.
  • Exceptional customer service abilities.
  • Must obtain and maintain a valid NMLS registration.
  • Working knowledge of Windows-based software applications.

Bar Harbor Bank & Trust offers competitive compensation, referral incentives, an employee stock purchase plan, comprehensive medical/dental/vision/life insurance, paid holidays, a 401(k) plan, paid time off, a wellness program, continuing education benefits, and more.

Bar Harbor Bank & Trust is an Equal Opportunity Employer, welcoming applicants from diverse backgrounds including minorities, females, individuals with disabilities, and protected veterans. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.