Mortgage Originator

The role includes a base rate plus commissions. Total Potential Annual Earnings: $33,280 - $220,000.

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. Maintains a network of outside referral sources in assigned territories. 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.

• 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.

• 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 multi-task in fast paced environment
• Knowledge of a variety of mortgage loan products
• Ability to analyze credit reports and income and asset calculations.

Flexible schedule includes evening hours and managing timely workflow. Requires evening and weekend hours for meetings, appointments, and business/industry networking events. NMLS Certification required or ability to obtain upon hire.

• 40% Originate mortgage loans and participate in related business development activities. Develop plan to achieve sales goals, develop and deliver sales presentations, attend industry networking events and contact realtors, builders and developers to build a network of outside referral sources. Coordinate sales and product training activities with retail branches.
• 35% Meet with prospects, explain variety of mortgage products and services available and offer recommendations based on evaluation of individual prospect needs.
• 10% Negotiate terms and conditions of loans within approved authority and finalize sales. Attend closings as needed. Sell other NBT and services as appropriate.
• 10% Obtain and analyze pertinent financial and credit data. Ensure the preparation and processing of forms and legal documents required for loans. Create system files with documentation for underwriting, and regulatory purposes.
• 5% Other duties as assigned.

• Communicate effectively with internal and/or external customers
• Stationary 50% of time
• Move about within or between locations
• Bend, Twist, Crouch, Squat
• Move Objects to Maximum 10 lbs

• 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.
• Pet Insurance:
  For all your furry friends.
• Financial and Banking Services:
  Various banking services benefits and financial planning assistance.

• Medical Coverage:
  Includes…