Assists in the development, implementation, and reporting of CRA-related loan tracking, loan programs and all activities designed to maintain a high satisfactory rating for NBT Bank, N. A. with the Community Reinvestment Act. Assists with coordination and compilation of Residential Mortgage Lending for Mock CRA Exam. Acts as the primary contact for a designated group of non-profit housing partners that manage grant programs and educational seminars for eligible LMI first time home buyers. Responsible for originating residential mortgage loans, to include emphasis on the Affordable Housing products, according to established policies, procedures and regulatory guidelines.Education and Experience:
Associate Degree with emphasis on Business/Finance or equivalent education and experience
2 or more years experience in Residential Lending as sales or operations employee
1 or more years experience working with non-profit housing partners and Federal/State grant programs
Skills and Abilities:
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.
Knowledge of Mortgage Banking underwriting application systems such as MortgageBot and Mortgage Builder.
Unique Job Characteristics and Requirements:Business Travel required as needed between Bank Office and all designated non-profit housing agencies, realtors, etc. , as well as various bank branches and regional business partner meetings, Conferences, Professional Organizations and role related Training. NMLS Certification required or ability to obtain upon hire.Tasks Performed:
45% 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.
25% 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.
20% 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
5% 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.
5% Other duties as assigned.
Physical Requirements:
Communicate effectively with internal and/or external customers
Stationary 50% of time
Move about within or between locations
Bend, Twist, Crouch, Squat
Move Objects to Maximum 10 lbs
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.
NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees - like our Student Loan Repayment Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.
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Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp%20EnglishformattedESQA508c.pdf)
Family Medical Leave Act (FMLA) Poster
Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)
NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at [email protected]. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.