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NBT Bank · 3 days ago

Affordable Housing Originator

Albany, NY

Full-time

Hybrid

Entry, Mid Level

2+ years exp

NBT Bank is focused on empowering people to grow and innovate through meaningful work. The Affordable Housing Originator is responsible for driving the growth of the company by originating residential mortgage applications and developing business plans to meet sales goals while maintaining relationships with non-profit housing partners.

BankingFinancial Services

No H1B

Responsibilities

Establishes relationships and maintains active business development calls with all non-profit housing partners in a designated territory. Maintains an active database of the various grant program options available through these partners and trains the other Loan Originators in the designated territory on the programs

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

Mortgage Banking knowledgeCRA & Banking RegulationsNMLS CertificationResidential Lending experienceUnderwriting systemsAnalytical skillsCustomer service skillsOrganizational skillsWritten communication skillsOral communication skills

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.

Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future.

Paid Sick and Safe Leave: For your health and safety.

Employee Assistance Program (EAP): Access to support and resources.

Financial and Banking Services: Various benefits and financial planning assistance.