Home Lending Originator

This job includes a base rate plus commissions. Total Potential Annual Earnings: $38,480 - $220,000
Responsible for driving the growth of our company by originating residential mortgage and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines. Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives. Maintains a network of outside referral sources in assigned territories. Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs. Coordinates the flow of documentation from application to closing while also working with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate.

Education and Experience:

• Associate’s degree in business or related discipline and two (2) years’ experience in sales or equivalent combination of education and experience.
• Two (2) years mortgage or lending experience preferred.  

Skills and Abilities:

• Proficient with Microsoft Office – Word, Excel, PowerPoint, Outlook
• Ability to cold call prospects; network and develop outside business referrals.
• Strong Verbal and Written Communication skills
• Ability to multi-task in fast paced environment
• Knowledge of a variety of mortgage loan products
• Ability to analyze credit reports and income and asset calculations.

Unique Job Characteristics and Requirements:

• Flexible schedule includes evening hours and managing timely workflow. Requires evening and weekend hours for meetings, appointments, and business/industry networking events.
• NMLS Certification required or ability to obtain upon hire.
• Travel less than 50%
• Driver's License required
• Reliable transportation required

Tasks Performed:

• 40% - Originate mortgage loans and participate in related business development activities. Develop plan to achieve sales goals, develop and deliver sales presentations, attend industry networking events and contact realtors, builders and developers to build a network of outside referral sources. Coordinate sales and product training activities with retail branches.
• 35% - Meet with prospects, explain variety of mortgage products and services available and offer recommendations based on evaluation of individual prospect needs.
• 10% - Negotiate terms and conditions of loans within approved authority and finalize sales. Attend closings as needed. Sell other NBT products and services as appropriate.
• 10% - Obtain and analyze pertinent financial and credit data. Ensure the preparation and processing of forms and legal documents required for loans. Create system files with documentation for underwriting, and regulatory purposes.
• 5% - Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 50% of time
• Move about within or between locations
• Bend, Twist, Crouch, Squat
• Move Objects to Maximum 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary. 

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time.