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Provident Bank · 5 hours ago

Mortgage Loan Originator - Bergen County NJ/Orange County NY & Westchester NY

Hackensack, NJ

Full-time

Hybrid

Mid, Senior Level

3+ years exp

Provident Bank is a highly regarded financial institution in New Jersey with a commitment to enhancing customer and employee experiences. The Mortgage Loan Originator will be responsible for originating residential mortgages, developing business contacts, and maintaining strong relationships with clients and referral sources.

Financial Services

Responsibilities

Generates loans through prospecting and following up on leads. Conducts pre-qualification interviews with prospective borrowers to discuss the different loan programs and products that are available

Initiates loan applications either by the internet, telephone, in person, by fax or email. Utilizes personalized website to facilitate online inquiries, prequalification and applications

Submits new loan applications with supporting documentation via the Bank’s loan operating system for processing and credit decisioning. Provide appropriate follow-up and meet with borrowers to obtain required documents and problem-solve, as needed. Promptly respond to all customer inquiries

Maintains and preserves existing referral sources by regular sales calls and personal client meetings. Maintains strong contacts with assigned branches and a regular schedule of visits to the branches to provide the customer base with mortgage financing information. Cross-sells Bank products and services. Provide call reports or weekly business development plans as required by management

Develops realtor contacts and lending business in low- and moderate-income census tracts within the Bank assessment area

Maintains a comprehensive understanding of the Bank Affordable Housing products, including portfolio, FHA, USDA, and Housing Finance Agency

Participates in bank-wide events, training or sales meetings as required by management, may include evenings and/or weekends. Maintain knowledge of the residential mortgage products, investor guidelines, basic compliance requirements, industry standards and practices, etc

Qualification

Residential mortgage originationActive NMLS licenseBusiness technology knowledgeSales target motivationCommunication skillsRelationship buildingProblem-solving ability

Required

High school diploma, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, etc

3 years' experience as a residential mortgage loan originator with established business contacts

Excellent written and verbal communication skills

Possess motivation to meet and drive sales targets

Ability to develop meaningful relationships with internal customer and external customers

Ability to define problems, collect data, establish facts and draw valid conclusions

Intermediate knowledge of business technology, including but not limited to, mortgage loan operating systems and Microsoft Office

Active NMLS license (unique ID) required