Residential Mortgage Originator

Position

The Residential Mortgage Originator is responsible for developing new business, underwriting, structuring and the closing of mortgage loans. Manages a team of Residential Mortgage Originators and Processors.

Key Responsibilities

• Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
• Source, develop and underwrite new loans, secondary and portfolio mortgages for new and existing clients.
• Responsible for overall business development from established centers of influence in the real estate and building communities, not just relying on internal branch referrals.
• Maximize bank profitability through appropriate pricing of new loan originations and fees.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Ensure all activities, transactions and records are in compliance with operational, security and control procedures of the Bank, preventing fraud and protecting customer assets.  
• Handle client service issues by conducting research, taking ownership and following up with on a daily basis as necessary until conclusion. 
• Responsible for the performance management, coaching and development of direct reports.

Knowledge

• Strong understanding of underwriting guidelines, policies and regulations.
• Knowledge of relevant Federal and State banking regulations.
• Familiarity with Bank security and safety practices.

Skills

• Five or more years of residential mortgage lending experience.
• Two or more years of supervisory management experience.
• Direct sales experience.
• Thorough understanding of federal banking compliance and requirements.
• Excellent PC skills.

Abilities

• Strong “People First” and ability.
• Ability to communicate effectively.

Other Requirements

• Bachelor’s degree preferred, but not required.

Location

• Role open for the New York, New Jersey, and Florida Locations