Mortgage Loan Originator - New Jersey

Job Type:

Hourly, Full Time 40 Hours

Who We are:

At Ion Bank, we pride ourselves on providing exemplary customer service and building lifetime relationships by partnering with our customers to identify and achieve their financial goals. We are passionate about our Service Standards and live by them every day.

As a result of Ion’s continued growth, the bank consistently provides robust and diverse development programs for its employees with a goal of personal expansion. Not only does Ion prioritize its internal team but additionally values the communities that the employees serve. The bank consistently encourages volunteerism from its employees to support customers and beyond. Apply now to join the Ion community!

Who we are seeking for this role:

The ideal candidate will develop small business relationships focusing on loans, deposits and cross selling other company products and services. Loan production will emphasize SBA loans. Responsible for managing small business loan portfolio including delinquency, portfolio risk rating and ensuring no deterioration in portfolio quality.

As a Mortgage Loan Originator, you are responsible for:

Originating mortgage/consumer loan applications to increase portfolio and meet monthly production goals, while ensuring compliance with lending rules and regulations.   The MLO will actively promote new mortgage and consumer loan business development for NVE Bank, A Division of Ion Bank in upper New Jersey. Develop professional relationship with area realtors and builders to promote new loan business.

Responsibilities:

• Ensure company service standards are continually achieved in area of responsibility
• Originate consumer loans and mortgages
• Meet monthly productions goals established by management
• Interviews consumer/residential loan applicants, compiles and analyzes data for loan/mortgage applications and requests specified information
• Recommends and outlines terms of loan, informs prospective borrowers of loan commitments
• Actively develops new customer prospects and business for the bank through realtor, attorney, and builder account sales
• Handles inquiries from applicants and branch personnel, effectively
• Resolves customer complaints
• Valid driver's license required
• Ensure activities within assigned functional area of responsibility are in line with Bank policy
• Required to register with the Nationwide Mortgage Licensing System and Registry (NMLS) and maintain a unique identifying number.

Other Functions

• Notifies applicant of loan decision in a timely manner
• Participate in banking and civic organizations to promote the Bank's image and visibility within the Community
• Perform other duties as requested

*The above is a description of the ordinary duties of the position.  It should be expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and, therefore, required.

Education and Experience

Bachelor's degree in business or finance preferred.  Familiarity with mortgage products, underwriting, terminology and Freddie Mac and CHFA guidelines. Two to four years lending and sales experience, or some comparable combination of education and experience.

Benefits:

• Health Insurance (Medical, Dental Vision)
• 401k and Employer Match
• Life Insurance
• Disability
• HSA
• FSA
• Educational Assistance
• Wellness Programs
• Employee Assistance Program
• 15 Paid Time Off Days
• 12 Paid Holidays
• Job Shadowing
• Volunteer Opportunities

Consider this description the foundation of your job, not its boundaries.  Expect to participate in training sessions and activities not described here which enhance the quality of service to the customer.