Mortgage Loan Officer

Mortgage Loan Officer – Waterbury Market

Salary plus commission position under the direction of the AVP/Mortgage Lending Officer Sales Manager. Responsible for originating residential and consumer mortgage products, managing mortgage sales efforts to increase the Bank's CRA delineated lending communities, and managing community events from a lending perspective.

• Determine financing objectives and conduct loan interviews, securing client information to initiate loan applications and explaining mortgage products and benefits.
• Outside prospecting and networking with local centers of influence (real estate agents, attorneys, financial advisors, builders, local civic and religious leaders) to build and maintain referral sources.
• Receive and screen loan applications, pull and review credit, gather financial data, communicate with clients to resolve discrepancies, and analyze simple and complex tax returns to determine monthly income for self‑employed borrowers.
• Accurately explain all federal and state required disclosures, including the Loan Estimate, Change of Circumstance, and Closing Disclosure.
• Monitor personal monthly production goals in line with the Bank's Key Performance Indicators (KPIs) and the department's Tactical Operating Procedures (TOPs).
• Maintain current knowledge and compliance with all regulatory requirements (BSA/AML, TRID, HMDA, CFPB, OFAC) and all bank policies, procedures, and regulations.
• Keep abreast of federal and state laws and regulations pertaining to consumer rights, non‑discrimination, fair credit reporting, etc.

Equal Employment Opportunity (EEO), including disability/veteran.

Entry level

Full-time

Finance and Sales