What are the responsibilities and job description for the Residential Mortgage Originator position at ConnectOne Bank?
Description
Position
The Residential Mortgage Originator is responsible for developing new business, underwriting, structuring and the closing of mortgage loans. Manages a team of Residential Mortgage Originators and Processors.
Key Responsibilities
Knowledge
Position
The Residential Mortgage Originator is responsible for developing new business, underwriting, structuring and the closing of mortgage loans. Manages a team of Residential Mortgage Originators and Processors.
Key Responsibilities
- Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
- Source, develop and underwrite new loans, secondary and portfolio mortgages for new and existing clients.
- Responsible for overall business development from established centers of influence in the real estate and building communities, not just relying on internal branch referrals.
- Maximize bank profitability through appropriate pricing of new loan originations and fees.
- Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
- Ensure all activities, transactions and records are in compliance with operational, security and control procedures of the Bank, preventing fraud and protecting customer assets.
- Handle client service issues by conducting research, taking ownership and following up with on a daily basis as necessary until conclusion.
- Responsible for the performance management, coaching and development of direct reports.
Knowledge
- Strong understanding of underwriting guidelines, policies and regulations.
- Knowledge of relevant Federal and State banking regulations.
- Familiarity with Bank security and safety practices.
- Five or more years of residential mortgage lending experience.
- Two or more years of supervisory management experience.
- Direct sales experience.
- Thorough understanding of federal banking compliance and requirements.
- Excellent PC skills.
- Strong “People First” and ability.
- Ability to communicate effectively.
- Bachelor’s degree preferred, but not required.
- Role open for the New York, New Jersey, and Florida Locations