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Community Financial System, Inc. · 3 months ago

Mortgage Loan Consultant

Rochester, NY

Part-time

Onsite

Mid Level

$19.23/hr - $19.23/hr

3+ years exp

Community Financial System, Inc. (CFSI) is dedicated to providing high-quality financial services and products. The Mortgage Loan Consultant originates mortgage loans, ensuring compliance with bank policies and delivering superior customer service while building strong professional relationships to generate new business.

Financial ServicesFunding PlatformWealth Management

Responsibilities

As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals

Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources

Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing

Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies

Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience

Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management

Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding

Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor

Represent the bank at local business and community events, delivering exceptional value and building brand awareness

Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics

Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner

Cooperate with other members of department to achieve department goals

Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals

Qualification

Mortgage products knowledgeSales experienceNMLS registrationMortgage software proficiencyRelationship-building skillsExcellenceHumilityCommunication skillsCommitment to growthTeamworkIntegrity

Required

High School Diploma or GED required

An Associate degree or equivalent preferred

Specialized Banking and lending education and training

Valid driver license

All applicants must be 18 years of age or older

Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you

Strong relationship-building skills and the ability to generate referrals and new business opportunities

An understanding of mortgage products, underwriting guidelines, and regulatory requirements

Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities

An Associate degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act

Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship

Must be able to consistently demonstrate the Company's core values: Integrity, Excellence, Teamwork, and Humility

This position requires National Mortgage Licensing System ('NMLS') registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act)

3+ years of experience in a professional sales environment in financial services normally required