NBT Bank · 3 months ago
Affordable Housing Originator
Albany, New York
Full-time
Hybrid
Entry, Mid Level
2+ years expNBT Bank is a financial institution seeking an Affordable Housing Originator to drive growth by originating residential mortgage applications, particularly focusing on Affordable Housing products. The role involves developing business plans, maintaining relationships with non-profit housing partners, and coordinating mortgage product education and training sessions.
BankingFinancial Services
No H1B
Responsibilities
Responsible for driving the growth of our company by originating residential mortgage (to include emphasis on the Affordable Housing products/programs) and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines
Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives
Maintains a network of outside referral sources in assigned territories
Acts as the primary contact for a designated group of non-profit housing partners that manage grant programs and educational seminars for eligible home buyers; coordinates product education and training sessions as appropriate
Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs
Coordinates the flow of documentation form application to closing while also collaborating with all parties involved in the transaction
Refers other NBT Bank products and services as appropriate
Establishes relationships and maintains active business development calls with all non-profit housing partners in a designated territory
Originates residential mortgage loans, to include emphasis on the Affordable Housing products, according to established policies, procedures, and regulatory guidelines, within their home base market
Explains a variety of mortgage products and associated closing costs, negotiates loan terms, and conditions, and finalizes sales
Maintains primary customer and non-profit housing partner responsibility from application thru to loan closing
Assists Bank CRA Officer, Residential Mortgage Banking Manager, and Sales Manager in the development, implementation, and reporting of CRA-related loan tracking, loan programs and all CRA-related business development activities, including recommendations for additional loan programs and special financing offerings
Assists with coordination and compilation of Residential Mortgage Lending for Mock CRA Exam for submission to the Executive Management Team to monitor and gage progress meeting Lending Test minimums in all state Assessment Areas, including recommendations for additional loan programs and special financing offerings
Other duties as assigned
Qualification
Required
Associate degree in business or related discipline and two (2) years' experience or equivalent combination of education and experience
Complete understanding of Mortgage Banking loan policy, products, and procedures
Complete understanding of CRA & Banking Regulations
Working knowledge of workflow application, disclosures, closing and upload
Strong analytical and organizational skills
Strong written and oral communication skills
Excellent customer service skills
Knowledge of current compliance and regulatory guidelines with an approved NMLS number
Business Travel required as needed between Bank Office and all designated non-profit housing agencies, realtors, etc
NMLS Certification required or ability to obtain upon hire
Preferred
Two (2) or years in Residential Lending experience preferred
1 or more years' experience working with non-profit housing partners and Federal/State grant programs preferred
Benefits
Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
Parental Leave: Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Flexible Spending Accounts: For healthcare and dependent care expenses.
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance: Supporting your growing family.
Tuition Reimbursement: Invest in your education and career growth.
Employee Assistance Program (EAP): Access to support and resources.
Financial and Banking Services: Various benefits and financial planning assistance.
Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Generous Parental Leave: Six weeks of paid leave at 100% of your salary.
Paid Sick and Safe Leave: For your health and safety.
Company
NBT Bank
NBT Bank, N.A. is a financial institution
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Scott Kingsley
EVP & CFO
Amy Hurta
SVP, Director of Operations and Chief Diversity & Inclusion Officer
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