Residential Mortgage Originator

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Full time employee Salem, MA, US

11 days ago Requisition

Salary Range: $75,000.00 To $ Annually

Seeking a full-time Residential Mortgage Originator to join the Institution for Savings lending team. The ideal candidate will be responsible for generating residential mortgage loans through a combination of in-office work at the Bank's Salem Office, as well as proactive out-of-office business development, community engagement and exceptional customer service. This position is in-person working at the Bank's Salem office.

• Request property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of granting loans and/or submits applications to credit analyst for verification and recommendations.
• Corresponds with or interviews applicants or creditors to resolve questions regarding applicant information.
• Compile loan packages and facilitate negotiations with applicants pursuant to Bank standards, including fees, loan repayment options and other credit terms.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Promotes and cross-sells other bank products and services as appropriate to customer.

• Bachelor's degree preferred or a minimum of five years demonstrated successful work-related experience in all aspects of residential lending including secondary market.
• Fluent in Spanish with excellent communication skills, both written and verbal.
• Effective interviewing and presentation skills.
• Strong analytical and quantitative skills and proven problem-solving ability.
• Highly motivated, goal-oriented, and able to work independently. Utilizes strong organization skills to perform and prioritize a high volume of tasks simultaneously.
• Consistently achieves goals and meets strict deadlines while maintaining excellent attention to context, substance and detail.
• Embraces the team-oriented culture and works collaboratively across the Bank to support the Bank's strategic growth plans.
• NMLS registration required
• Valid driver's licenses and willingness to travel locally for meetings, events, etc.
• Microsoft Excel and Microsoft Word experience required. Knowledge of Encompass and Jack Henry software preferred but not required.

The salary range listed is just one component of the Bank's total compensation package. Other rewards include fully paid medical, dental and vision insurance, as well as dollar-for-dollar 401(k) match up to 10%; life insurance; disability plan; pension plan after 2 years of service; and generous vacation and paid-time off.

The Institution for Savings is an Equal Opportunity Employer. Member FDIC. Member DIF.