Residential Mortgage LenderSyracuse, NY Lending

　　SummaryOriginates mortgage loans, promotes the financial institution and its lending services to the real estate community and helps to identify and serve the community financial needs through seminars and sales meetings and by participating in and promoting the financial institutions community activities.Essential FunctionsSolicits mortgage loans, informs prospective loan clients of the financial institutions underwriting guidelines and applicable government regulations. Establish relationships with and calls on Realtors, Builders, Developers and other professionals in order to increase mortgage activity and expand mortgage referral network. Completes each loan application and all processing functions in a timely manner, explains documents to applicants and ensures accuracy of the mortgage file. Screens loan requests based on bank policies and determine what mortgage program best meets customer needs. Personally answer incoming phone calls, schedules appointments and communicates complex approvals or denials to the borrowers, real estate agents or builders. Maintains full knowledge of all government, secondary market and internal policies and procedures to insure compliance. Register with the Nationwide Mortgage Licensing System (NMLSR), obtain a unique identifier number, update information as required, and annually renew registration. Comply with all of the requirements of the S.A.F.E. ACT. Attends mortgage loan closings for the first time homebuyers and follow ups, post-closing, with all customers.

　　Secondary Functions

　　Actively participates in local business and community activities and maintains close contact with local builders, real-estate brokers and agents, customers and prospects. Maintains knowledge about new legislation and regulations that may affect the bank residential lending policies. Promotes and participates in the bank special credit programs and other CRA programs. Consistently employ cross-sell and referral practices to identify and recognize opportunities to expand and retain customer relationships. Understanding of compliance regulations governing job function and completion of all assigned compliance training. All other duties as assigned.Work EnvironmentThis job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, printers and filing cabinets.Physical Demands

　　The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

　　TravelTravel will be primarily during the work day using personal vehicle/transportation. There may be some travel outside of the work day occasionally.

　　Required Education, Experience and QualificationsAssociates degree in related field or equivalent work experienceA minimum of one year experience in Residential Mortgage LendingGood sales, organizational and interpersonal skillsAbility to read, analyze and interpret general business periodicals, professional journals, technical procedures or government regulationsAbility to effectively present information and respond to questions from groups of managers, clients, customers and the general publicAbility to apply concepts such as fractions, percentages, ratios and proportions to practical situationsAbility to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization existsObtain an active Mortgage Loan Originator (MLO) license in New York StatePreferred ExperienceStrong relationships and involvement in the community Two or more years of experience in mortgage lending industry Other Duties: Please note job duties, responsibilities and activities may change at any time with or without notice.