ESSA Bank, Mortgage Originator, Hybrid

Job Description

Job Description

Description:

The Mortgage Loan Originator is responsible for actively contributing to the bank’s sales and business development efforts by identifying and developing new lending opportunities. This includes performing outreach activities to prospective borrowers, reporting key updates to supervisor, documenting sales and service efforts, coordinating effectively within the Mortgage Origination Department, be compliant with policy and procedures, and respond promptly to internal and external inquires or request for information.  Compensation structure is Base Salary + Commission.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position. 

KEY RESPONSIBILITIES

• Develop, maintain, and grow a personal network of realtors, builders, financial advisors, and other referral sources to generate mortgage applications.
• Consults with clients to assess their financial needs and recommend essential mortgage products. Ensures applications are complete and accurate. Collaborates with the underwriting team to ensure regulatory compliance and provide a positive experience for the client through closing. 
• Regularly engage away from the employer's place of business. Making sales calls or participating in various marketing activities outside the office.
• Stay informed of investor guidelines, loan program updates, and regulatory requirements to remain compliant with policy and procedure.
• Accountable to meet annual goals. 

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

•   Respect : Speak to others with kindness, empathy, and fairness
•   Client Focus : Deliver consistent, high-quality service that builds trust and loyalty
•   Inclusion : Encourage diverse viewpoints and contributions in decision-making collaboration

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by 

demonstrating:

•   Leadership : Demonstrate ability to positively influence others and represent the organization
•   Integrity : Strong business ethics and honest behaviors
•   Collaboration : Positively works with others to produce excellent results
•   Volunteerism : A recognized and visible presence in serving our communities

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

•   Accountability : Personal responsibility for complete and timely applications and counsel delinquent customers as needed
•   Innovation : Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges
•   Professionalism : Reflects skill, good judgment, and positive conduct
• Employee must maintain an active registration status with NMLS(Nationwide Mortgage Licensing System)

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Mortgage Loan Originator possesses a high degree of technical abilities. Candidates should have significant training and expertise in mortgage and retail lending, deposit origination, compliance, software, and customer service. They continuously seek additional opportunities for learning new skills, sharpening existing skills and keeping updated on current regulations, software improvements, and market conditions. Some travel may be required.

Requirements:

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with related experience and secondary education preferred. A background screening will be conducted. 

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, loan origination system, and any other computer programs pertinent to performing job duties.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percentages.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation. 
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. 

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. 

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER : This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match 
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

ESSA Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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