Residential Mortgage Online Originator Position Available In Essex, New York

This job includes a base rate plus commissions.

Total Potential Annual Earnings:

$53,500 – $130,000 Responsible for driving the growth of our company by originating residential mortgage and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines. Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives. Originates loans through online channels or referrals from the Retail Bank branch network. Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs. Coordinates the flow of documentation from application to closing while also working with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate.

Education and Experience:

+ Associate’s degree in business or related discipline and two (2) years’ experience in sales or equivalent combination of education and experience. + Two (2) years mortgage or lending experience preferred.

Skills and Abilities:

+ Ability to navigate web-based online application loan origination system. + Very strong computer efficiency – proficient with Microsoft Office. + Knowledge of primary mortgage loan products, credit reporting and associated closing costs. + Excellent customer service skills. + Ability to cross train and develop others. + Very strong analytical and organizational skills. + Very strong written and oral communication skills.

Unique Job Characteristics and Requirements:

+ Business Travel Required as needed between Norwich and off-site lending areas, as well as to various bank branches and regional business partner meetings, Conferences, Professional Organizations and role related Training NMLS Certification required or ability to obtain upon hire.

Tasks Performed:

+ 50% Effectively manages daily flow of online applications, required documentation, and timely response to customers. Daily telephone and e-mail communication to customers in process. Explains variety of mortgage products and associated closing costs and offer recommendations based on evaluation of individual customer financial needs. Works in conjunction with the Mortgage Manager, Head of Operations, Operations Manager, Sales Managers and operations support staff to achieve the department’s loan sales goals, income goals, audit/compliance goals and annual objectives. + 25% Works with Operations and Closing staff to ensure preparation and processing of forms and documents portfolio’s. Research and recommend alternative source options and cost-effective methods for improved delivery of online, telephone, mail applications. Cross trains employees as needed for assistance with online originations. + 20% Maintains knowledge and guideline documentation binders for approved online process, loan programs and Investor relationships. Coordinates product training with Retail Bank branches. Monitors loan pipeline, makes suggestions for improvements/enhancements to daily process and business line strategy. + 5% Other duties as assigned.

Physical Requirements:

+ Communicate effectively with internal and/or external customers + Stationary 75% of time or greater + Move Objects to Maximum 10 lbs Benefits for

Full-Time Employees:

+

Generous Paid Time Off :

At least 22 days annually, prorated in the year of hire. +

Parental Leave :

Six weeks of paid leave at 100% of your salary. +

Comprehensive Medical Coverage :

Includes employer contributions to HSA for High Deductible Health Plan participants. +

Dental and Vision Coverage :

Ensuring your overall health and well-being. +

Flexible Spending Accounts :

For healthcare and dependent care expenses. +

Employer-Paid Disability Coverage :

Both short-term and long-term, with an option to purchase additional long-term coverage. +

Life Insurance :

Employer-paid basic life insurance, with an option to purchase supplemental coverage. +

Voluntary Benefits :

Including hospital, accident, and critical illness coverage. +

Retirement Plans:

Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. +

Adoption Assistance :

Supporting your growing family. +

Tuition Reimbursement :

Invest in your education and career growth. + Employee Assistance Program (EAP) : Access to support and resources. +

Financial and Banking Services :

Various benefits and financial planning assistance . Benefits for Part-Time Employees Working 20+

Hours/Week:

+

Medical Coverage :

Includes employer contributions to HSA for High Deductible Health Plan participants. +

Generous Parental Leave :

Six weeks of paid leave at 100% of your salary. Benefits for

All Part-Time Employees:

+

Retirement Plans:

Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future +

Paid Sick and Safe Leave :

For your health and safety. + Employee Assistance Program (EAP) : Access to support and resources. +

Financial and Banking Services :

Various benefits and financial planning assistance . Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time. NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees – like our Tuition Reimbursement Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company. + EEO is the law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) + EEO is the Law Poster Supplement + Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf) + Family Medical Leave Act (FMLA) Poster + Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf) NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.