Mortgage Loan Originator

6 days ago


North Adams, Massachusetts, United States NBT Bank Full time
Mortgage Loan Originator Job Description

This role involves originating residential mortgage loans and participating in related business development activities. The successful candidate will develop a plan to achieve sales goals, deliver sales presentations, and attend industry networking events to build a network of outside referral sources.

Key Responsibilities:
  • Originate mortgage loans and participate in business development activities (40%): Develop a plan to achieve sales goals, deliver sales presentations, attend industry networking events, and contact realtors, builders, and developers to build a network of outside referral sources.
  • Meet with prospects and explain mortgage products and services (35%): Evaluate individual prospect needs and offer recommendations based on those needs.
  • Negotiate loan terms and finalize sales (10%): Attend closings as needed and sell other NBT Bank products and services as appropriate.
  • Obtain and analyze financial and credit data (10%): Prepare and process forms and legal documents required for loans, create system files with documentation for underwriting and regulatory purposes.
  • Other duties as assigned (5%):
Requirements:
  • Associates degree with emphasis on business, finance, or marketing/communications; or equivalent education and experience.
  • 2-5 years prior sales experience.
  • 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 multitask in a 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:

This role requires a flexible schedule, including evening hours and timely workflow management. Evening and weekend hours may be required for meetings, appointments, and business/industry networking events. NMLS Certification is required or the ability to obtain upon hire.


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