Residential Lending Specialist

2 weeks ago


Bangor, Maine, United States Bar Harbor Bank & Trust Full time
Bar Harbor Bank & Trust provides a comprehensive benefits package that includes competitive compensation, referral bonuses, an employee stock purchase plan, medical, dental, vision, and life insurance options, paid holidays, a 401(k) retirement plan, paid time off, a wellness initiative, continuing education support, and more.

We are seeking a dedicated and responsible individual to become a part of our Residential Lending division as a Mortgage Loan Originator.

The ideal candidate will be a proactive self-starter who thrives on engaging with both new and existing clients, delivering tailored solutions through lending and associated products that necessitate advanced sales techniques. This position offers an excellent opportunity to collaborate with a well-established and successful residential lending team. Our organization is equipped with advanced technological solutions designed to enhance the performance of our ambitious mortgage professionals.

Key Responsibilities:
  • Engage with clients or potential clients to promote the Bank's offerings, ensuring customer needs are met while delivering exceptional service.
  • Build and sustain a network of developers, real estate agents, legal professionals, accountants, and other potential referral sources.
  • Market and cross-promote the Bank's loan products and services utilizing approved marketing materials.
  • Originate new mortgage and home equity loans, gathering all necessary information and documentation from clients.
  • Navigate multiple systems applications to recommend profitable solutions from both structured and unstructured sales leads.
  • Skillfully design lending products alongside companion products and pricing to achieve client sales.
  • Demonstrate consistent sales performance in volume or units over time.
  • Stay informed about various loan options and conduct interviews with applicants to assess their requirements.
  • Advise applicants on the most suitable options for their needs.
  • Ensure all required disclosures are made to clients, including necessary loan fees and costs.
  • Provide clients with progress updates and assist in resolving any discrepancies.
Required Qualifications:
  • A minimum of three years of experience as a Mortgage Loan Originator is mandatory.
  • Prior experience in banking is essential.
  • At least an Associate's degree or equivalent professional experience.
  • Full proficiency in business mathematics and basic accounting principles.
  • Ability to analyze and interpret findings, drawing logical conclusions in daily responsibilities. Willingness to adapt to evolving procedures, regulations, and technological advancements.
  • Proven track record of being a positive team player in a fast-paced, high-volume environment while managing multiple priorities.
  • Exceptional customer service abilities.
  • Must obtain and maintain a valid NMLS registration.
  • Familiarity with Windows-based software applications.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

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