Mortgage Loan Originator, CRA Community Development - Queens, NY

About the role

The Mortgage Loan Originator, CRA Community Development position at Provident Bank focuses on business development and mortgage loan activities in low- and moderate-income communities and borrowers, supporting the Bank's community development initiatives. This role collaborates closely with the Bank's Community Development Officer and Liaison.

Responsibilities

• Originate loans within annual goals set by management. Conduct pre-qualification interviews and initiate loan applications.
• Submit loan applications via Encompass for processing and credit decisioning. Follow up with borrowers and solve problems as needed.
• Develop and maintain relationships with government-sponsored, not-for-profit housing agencies, community development agencies, realtors, and lending businesses in low- to moderate-income communities.
• Attend and conduct workshops, seminars, outreach events, and other activities to support these entities.
• Maintain a Sales Activity Calendar/Report for tracking and management review.
• Regularly make sales calls and personal client meetings to maintain and expand referral sources.
• Provide mortgage financing information to the customer base and cross-sell Bank products and services.
• Participate in bank-wide events, training, or sales meetings as required by management.
• Provide call reports or weekly business development plans as requested by the Sales Manager.
• Maintain a comprehensive understanding of residential mortgage products, investor guidelines, compliance requirements, and industry standards.
• Understand and utilize the Bank's Affordable Housing products, including portfolio, FHA, USDA, and Housing Finance Agency.

Qualifications

• High school diploma, plus specialized schooling and/or on-the-job education in a specific skill area.
• 5 years' experience as a residential mortgage loan originator with established business contacts.
• Excellent written and verbal communication skills.
• Strong motivation to meet and drive sales targets.
• Ability to develop meaningful relationships with both internal and external customers.
• Intermediate knowledge of business technology, including mortgage loan operating systems and Microsoft Office.
• Bilingual proficiency preferred.

Prior Experience

• 10 years' experience as a residential mortgage loan originator with established business contacts.
• Bachelor’s degree in business administration or related field preferred.
• Prior CRA experience and community involvement.

Licenses and Certificates

• Active NMLS license (unique ID) required.

Working Conditions

• Mainly performs work in a retail-banking establishment under general office conditions.
• May involve travel to customers and property locations.
• Willing and able to work required overtime.
• Willing and able to travel to other locations/branches.
• Must be flexible and demonstrate the ability to adapt to new job locations and reassignments as directed.