Residential Mortgage Originator

At Dime Bank, we are seeking a highly skilled Mortgage Originator to join our Residential Lending team. As a Mortgage Originator, you will be responsible for originating residential mortgages and fostering business relationships through business development and community outreach activities.

• Originate residential mortgages and counsel prospective borrowers to ensure loans comply with regulatory requirements, bank policies, and secondary market guidelines.
• Foster and cultivate business relationships through business development and community outreach activities to generate mortgage business and meet sales goals.
• Deal effectively with all parties involved in mortgage origination-related activities, including customers, realtors, PMI companies, attorneys, investors, etc.
• Explain, promote, sell, and/or cross-sell Dime Bank products and services based on customers' needs and meet or exceed defined individual sales, referrals, and service goals.
• Foster strong relationships and effective communications with internal business partners and members of the processing/underwriting team to ensure a smooth loan process and to encourage referrals and goal attainment in assigned territories.
• Obtain necessary information and supporting documentation from applicants; perform the appropriate calculations using DTI tools to ensure applicants qualify for the intended mortgage product.
• Prepare required disclosures or related documents in a timely manner and according to compliance regulations, and ensure that all fair lending requirements are met.
• Ensure loan pricing adheres to internal and investor guidelines.
• Play a key role in facilitating the mortgage processing of the loan to achieve customer satisfaction and meet investor requirements.
• Effectively manage customers' expectations regarding the loan process and respond to and resolve customer issues.
• Keep abreast of competition and have thorough knowledge of products and rates; provide feedback and input to SVP and management.
• Develop and maintain specialized knowledge of internal, regulatory, and secondary market guidelines.
• Actively participate in community activities and organizations, represent Dime Bank in a favorable and professional manner.

• Requires a Bachelor's degree in a related field of study or parallel experience in banking and adherence to the bank's training policies and requirements.
• Strong knowledge of Federal, State, and internal Bank regulations and policy.
• Must meet the registration requirements and maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
• Adhere to compliance of all applicable Federal and State bank regulations, as well as Dime Bank policies and procedures.
• Proven sales ability and negotiation skills.
• Excellent communication and time management skills, and a demonstrated ability to interact well with all levels of personnel.
• Ability to prioritize, handle multiple tasks, and work independently.
• Ability to stay current with all technological requirements of the job.

• General office environment.

• General office equipment, i.e., calculator, photocopier, computer, smartphone, etc.