Mortgage Specialist​/Originator - Kingston, NY

Job Location:

Kingston, NY 12401

Position Type:
Full Time

Salary Range: $34,200.00 - $ Base+Commission/year

Job Shift: Monday - Friday

Working at Ulster Savings Bank

At Ulster Savings Bank, you’ll be part of an enthusiastic team of people where we believe in working closely together for the benefit of our customers, communities, and each other. When you add this to an environment that allows skills and experience to bring forth growth and change, you’ll find plenty of room to grow professionally. We offer an excellent benefit package, including paid time off, paid holidays, medical, dental and vision insurance, matching 401k plan, and educational assistance.

Final candidates are subject to a pre-employment background check, which will include, but is not limited to credit history.

Ulster Savings Bank is officially Certified™ by Great Place To Work®

Loan Originators will be required to originate on behalf of the Bank, within Representative's assigned territory, residential mortgage loans to be made by the Bank in connection with purchase and refinancing of owner-occupied or non-owner occupied one-to-four family residential dwellings, except cooperative residences. In addition, mortgage applications for home improvement and home equity lending. Representatives shall also solicit such other types of proposed loans as may be authorized in writing from time to time by the Bank.

Monday through Friday - 8:00am - 5:00pm

• Advise the loan customer about the risks and benefits of various loan program alternative as a result of the financial information they have provided; and place the customer in the program most suitable to their needs and qualifications. Representative shall solicit loan applications from prospective borrowers, real estate brokers and agents, builders, developers, attorneys, title insurance agencies and such other persons and/or entities which may be a referral source for such loans.
• Regularly visit real estate brokers and agents, builders, developers, attorneys, title insurance agencies and such other persons and/or entities to explain new mortgage products offered by Ulster Savings Bank and maintain good business relations.
• Representative shall solicit loan applications from prospective borrowers, real estate brokers and agents, builders, developers, attorneys, title insurance agencies and such other persons and/or entities which may be a referral source for such loans.
• Represent Ulster Savings Bank and its subsidiaries in the field and keep the Bank abreast of changes in the market and new market developments.
• Develop new relationships with real estate brokers, attorneys and financial planners who will assist in originating mortgage brokers. Keep the real estate brokers abreast of mortgage applicant's status, production numbers, timely commitment or rejection of their files.
• Deliver quality applications to processing and underwriting. Complete all information necessary to efficiently serve the customer and use discretion and independent judgment in placing the customer in the correct lending program to meet their needs.
• Obtain all pertinent data concerning the transaction relating to each loan application.
• Market to loan applicants products of the Bank's subsidiaries which relate to such loans, including, but not limited to, casualty and property insurance, title insurance and other financial services, and shall assist said subsidiaries in the delivery of such products.
• Maintain and submit complete records of all loan solicitations made by Representative.
• Rate locks, registrations must be completed accurately, timely and in compliance with deadlines.
• Follow and familiarize yourself with all policies and procedures outlined…