NBT Bank · 2 days ago
Affordable Housing Originator
Albany, NY
Full-time
Onsite
Entry, Mid Level
2+ years expNBT Bank is focused on driving growth through residential mortgage origination, particularly in Affordable Housing products. The role involves developing business plans, maintaining relationships with non-profit housing partners, and guiding customers through mortgage options and processes.
BankingFinancial Services
No H1B
Responsibilities
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
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.
Pet Insurance: For all your furry friends.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
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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