Mortgage Loan Officer

Thomaston Savings Bank is actively seeking individuals who share our passion for making a difference in the lives of our clients and communities. If you're a team player with a dedication to delivering exceptional service, a knack for finding creative solutions, and a commitment to giving back, we encourage you to explore our career opportunities. So, if you're ready to join a team that's making banking refreshingly different, we invite you to discover your future with Thomaston Savings Bank!

Mortgage Loan Officer – Waterbury Market
This is a salary plus commission position.


Under the direction of the AVP/ Mortgage Lending Officer Sales Manager, responsible for the origination of residential and consumer mortgage products. Manage the mortgage sales efforts to increase the Bank's CRA delineated lending communities. Responsible for managing events in the community from a lending perspective. Meet clients in the office, at Branch locations and in locations of convenience for the client. Responsible for the interview process, completion of the application and receipt of all supporting documentation.

1. Determine financing objectives and goals of applicants. Conducts the loan interview and secures the client information necessary to initiate a loan application. Explain mortgage/loan products, how the product works and how the recommended program or product will benefit the applicant's needs.
2. Outside prospecting and networking with local centers of influence including realtors, attorneys, financial advisors, builders, local civic and religious leaders to build and maintain referral sources.
3. Receives and screens loan applications. Pull, review, and analyze credit. Gathers financial data. Communicates with clients to resolve discrepancies such as late payment history, judgements, collections, etc. Analyze simple and complex tax returns in order to determine monthly income for self-employed borrowers.
4. Responsible for accurately explaining all federal and state required disclosures including but not limited to the Loan Estimate, Change of Circumstance and Closing Disclosure.
5. Monitors personal monthly production goals in line with the Bank's Key Performance Indicators (KPIs) and the department's Tactical Operating Procedures (TOPs).
6. Maintains current knowledge and compliance with all regulatory BSA/AML, TRID, HMDA, CFPB and OFAC requirements and with all other bank policies, procedures and regulations.
7. Keeps abreast of federal ad state laws and regulations pertaining to consumer rights, non-discrimination, fair credit reporting, etc.

Benefit Statement

Build a rewarding career with a Bank that invests in your success. Full-time opportunities offer a comprehensive benefits package that includes health insurance, paid time off, paid holidays, retirement savings with employer match, tuition reimbursement, long and short-term disability coverage, life insurance, wellness resources, and exclusive-employee banking benefits. Ready to take the next step? Apply today!

EOE, including disability/vets