The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan application, processing, and closings.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor and/or Trustco Bank"s Board of Directors.
Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer"s network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer"s regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
Participate in community efforts to promote home ownership.
Follow up on internet and branch referrals on prospective customers.
Meet with prospective borrowers.
Review and analyze credit and financial data to determine borrower financing objectives and goals.
Present appropriate Bank products and programs and explain guidelines.
Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products.
Collect supporting loan documentation as required and provide complete package to the Mortgage Department.
High School Diploma or equivalent education or experience.
Sales experience within a commercial lending environment.
Effective verbal and written communication skills.
Well organized with the ability to manage multiple tasks and work to time sensitive deadlines.
Ability to work well independently and in groups.
Working knowledge with Microsoft Office Programs; Excel and Word.
A bachelor"s degree in a business related field
POSITION TYPE/EXPECTED HOURS:
This is a full time position. Office hours Monday - Friday 8:30am - 5:00pm. Evening and weekend work may be required as job duties demand.
Travel using personal vehicle, occasional overnight travel. Valid driver"s license required.
Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone.
Ability to communicate both in person and/or by telephone.