Mortgage Loan Originator

About the role

Mortgage Loan Originator at Canandaigua National Bank in Pittsford, NY.

Responsibilities

• Responsible for continuously soliciting, negotiating, underwriting, and coordinating the closing of residential mortgage loans in compliance with Canandaigua Mortgage Company’s lending policies and procedures.
• Promoting business for the Canandaigua Mortgage Company by maintaining good customer relations through referrals from existing customers and marketing for new clients.
• Aiding in attaining established corporate, regional, and branch goals through active participation in new and existing products and sales programs.
• Collaborating with other divisions and departments to coordinate work.
• Complying with operating policies and procedures established for the mortgage loan function.
• Communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Requirements

• A bachelor’s degree in business or finance related field, or equivalent combination of education and experience generally required.
• A minimum of two (2) years’ experience in related positions required.
• Knowledge of all lending activities and terminology.
• Basic knowledge of commercial, construction, real estate, and consumer loan processing.
• A thorough knowledge of all bank regulatory requirements.

Qualifications

• A bachelor’s degree in business or finance related field, or equivalent combination of education and experience generally required.
• A minimum of two (2) years’ experience in related positions required.
• Knowledge of all lending activities and terminology.
• Basic knowledge of commercial, construction, real estate, and consumer loan processing.
• A thorough knowledge of all bank regulatory requirements.

Skills

• Continuous solicitation and negotiation of mortgage loans.
• Underwriting and coordination of loan closings.
• Customer relations and referral management.
• Product education and sales support.
• Pre-qualification assessment and analysis.
• Documentation and problem-solving in loan processing.
• Customer service reinforcement and problem resolution.
• Decision-making within policy parameters.

Benefits

• Medical, dental, vision insurance.
• Flexible Spending Account (FSA) and Health Savings Account (HSA).
• Paid holidays, vacation, and sick time.
• Retirement benefits including 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP).
• Training and development opportunities.
• Tuition assistance.
• Community-focused volunteer opportunities.
• Award-winning wellness program.
• Banking perks and discount programs.

Pay

$16.00 per hour, with historical earnings ranging from $100,000 - $175,000 annually based on performance and productivity.

Schedule

Commission-based, flexible schedule to accommodate loan origination needs.