Mortgage Loan Consultant - Scranton, United States - Community Bank NA

Community Bank NA Scranton, United States

3 weeks ago

Description

Overview

At Community Bank System, Inc. (CBSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products.

Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts.

Beyond retail banking, we also offer wealth management, investment management, insurance and risk management, and benefit plan administration.
Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day.

To ensure our people can enjoy long and successful careers here at CBSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities.

As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.

Responsibilities

As a member of the Retail Banking Team, the Mortgage Consultant originates mortgage loans to meet individual and department production goals.

Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service.

The Mortgage Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business.

Solicit quality loans that meet the criteria of current product offering
Inform customers of the institution's loan programs, underwriting guidelines and applicable government regulations.
Schedule appointments to fit the needs of the customer whether on company premises or at a mutually convenient location. Coordinate such appointments with associates.
Personally interview all applicants to collect and analyze pertinent information regarding income, assets, debts and credit data.

Determine which products best meet the needs and financial circumstances of the potential borrower, and advise them regarding the features and benefits of different loan programs.

Complete each loan application and all pre-processing functions in a timely manner to permit disclosures to be provided within required regulatory timeframes.

Gather and submit with each application the documentation necessary to render a loan decision by bank underwriter.

Cross-sell company products and services by referring customers to the appropriate individual or department to include: deposit accounts, trust services, business banking, consumer lending, insurance and personal financial services, and any other product or service offered by the company to promote a complete banking relationship.

Communicate complex approvals, denials and counter-offers to the applicant and other parties as appropriate, maintaining strict confidentiality of critical customer financial information.

Develop new loan business by continuously marketing to former satisfied customers, real estate agents, home builders, attorneys, accountants, financial planners and other potential referral sources.

Represent the bank in local business and community organizations and events to develop additional business. May present seminars to general public and real estate community for community outreach and to promote additional business.
Develop and maintain current competitive market information.

Keep informed of trends and developments in the local market, as well as changing rules and regulations pertaining to the mortgage industry.

Actively participate in ongoing training and education as directed by Manager.

Stay abreast of, and participate in, community outreach programs within the MLC's designated territory to ensure the bank remains a partner to groups of low to moderate income (LMI) and those in a protected class.

Ensure exceptional customer service, both internal and external by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies.

Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.

Maintain overall responsibility for the loan file and documentation through processing, underwriting, closing, and post-closing by following the transaction through to its conclusion.

Act as the customer's point of contact and information source from the application through booking process.
Respond to inquiries relating to mortgage lending, or to requests from other Bank personnel, customers, etc.

Complete annual training requirements pertaining to Federal and State laws/regulations on or before due dates and attend in-house training pertaining to sales, service, and technology throughout the year.

Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion.

Perform other related duties as assigned or directed.

Qualifications

An Associate's degree or equivalent preferred
Specialized Banking and lending education and training
Sales training
Proficient reading, writing, grammar, and mathematics skills.
PC knowledge, proficient interpersonal relations, communicative and sales skills.
A working knowledge of Bank operating policies and procedures which impact consumer services.
A thorough knowledge of the features and benefits of all the Bank's mortgage/home equity products and services.

Minimum of - 5 years' experience in real estate lending (including 2 years of experience in a related sales position) required.

This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).

Other Job Information

Compensation:
Commensurate with experience plus potential for annual merit increase.

In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.
Community Bank System, Inc. is an Affirmative Action, Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law.

Community Bank System, Inc. will make reasonable accommodations for qualified individuals with a disability.

If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the

Human Resources Department:
Minimum

USD $24.75/Hr.
Maximum

USD $38.31/Hr.
#J-18808-Ljbffr

Member Service Representative

1 week ago

Penn East Federal Credit Union South Abington Township, United States

TITLE: Member Service Representative · REPORTS TO: Branch Manager · Purpose: Consistently provides an atmosphere of high quality member service. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open ...
Registered Nurse

14 hours ago

Wellpath Scranton, PA, United States Full time

Compensation Range: $ $42.07 / hour You Matter: · • Make a difference every day in the lives of the underserved · • Join a mission driven organization with a people first culture · • Excellent career growth opportunities Join us and find a career that supports: · • Caring fo ...
LPN - Night Shift 11p - 7a

14 hours ago

Wellpath Scranton, PA, United States Full time

Compensation Range: $ $31.52 / hour You Matter: · • Make a difference every day in the lives of the underserved · • Join a mission driven organization with a people first culture · • Excellent career growth opportunities Join us and find a career that supports: · • Caring fo ...
prn rn

14 hours ago

Wellpath Scranton, PA, United States Temporary

Compensation Range: $ $44.17 / hour You Matter: · • Make a difference every day in the lives of the underserved · • Join a mission driven organization with a people first culture · • Excellent career growth opportunities Join us and find a career that supports: · • Caring fo ...
LPN - Variable Shift

14 hours ago

Wellpath Scranton, PA, United States Full time

Compensation Range: $ $31.52 / hour You Matter: · • Make a difference every day in the lives of the underserved · • Join a mission driven organization with a people first culture · • Excellent career growth opportunities Join us and find a career that supports: · • Caring fo ...
Respiratory Therapist, Nights

1 week ago

Scranton Hospital Company Scranton, United States

Respiratory Therapist, CRT or RRT · Full-time, Nights: 6:30 pm - 7:00 amRotating shifts, weekends and holidays. · $20,000 Sign-on Bonus · $10,000 FOR STUDENT LOAN REPAYMENTS - FULL TIME · As a Respiratory Therapist at Regional Hospital of Scranton, you'll join a team and be a ...
Respiratory Therapist, Nights

1 week ago

Community Health System Scranton, United States

Job Description · Respiratory Therapist, CRT or RRT · Full-time, Nights: 6:30 pm - 7:00 am · Rotating shifts, weekends and holidays. · $20,000 Sign-on Bonus · $10,000 FOR STUDENT LOAN REPAYMENTS - FULL TIME · As a Respiratory Therapist at Regional Hospital of Scranton, you'll joi ...
NE Pennsylvania Interviewing for Endocrinologist

1 week ago

Enterprise Medical Scranton, United States

Due to growth in Scranton, Pennsylvania, a well-respected multi-specialty group is adding an additional Endocrinologist to their team. · Opportunity · Mostly outpatient practice with occasional phone consults; call 1:3. · Join 2 other Endocrinologists · Hospital employed positio ...
Family Medicine Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, United States

Family Medicine Opportunity - Scranton, PA · Moses Taylor/Regional Hospital of Scranton is seeking a BC/BE Family Medicine physician. Employed, outpatient opportunity · 1:5 call · Established primary care practice site · New graduates will be considered · Competitive Recruit ...
Internal Medicine Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, United States

Internal Medicine Opportunity - Scranton, PA · Moses Taylor/Regional Hospital of Scranton is seeking a BC/BE Internal Medicine physician. Employed, outpatient opportunity · 1:5 call · Established primary care practice site · New graduates will be considered · Competitive Rec ...
Pharmacist PRN

1 week ago

Scranton Hospital Company Scranton, United States

Pharmacist · PRN, as needed · Rotating shifts, weekends and holidays · As a Pharmacist at Regional Hospital of Scranton, you'll join a team and be a part of a culture that's dedicated to improving lives. Our staff enjoy a robust benefits package including health insurance, 401(k) ...
Pharmacist PRN

1 week ago

Community Health System Scranton, United States

Job Description · Pharmacist · PRN, as needed · Rotating shifts, weekends and holidays · As a Pharmacist at Regional Hospital of Scranton, you'll join a team and be a part of a culture that's dedicated to improving lives. Our staff enjoy a robust benefits package including health ...
Gastroenterology Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, United States

Gastroenterology Opportunity - Scranton, PA · Moses Taylor Hospital and Regional Hospital Of Scranton in Scranton, PA are seeking a BC/BE Gastroenterologist to join an established practice. This is an employed position with a large primary care referral base. Outpatient position ...
General Surgery Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, United States

General Surgery Opportunity - Scranton, PA · Regional Hospital of Scranton is seeking a board eligible/board certified General Surgeon for an employed opportunity. · Join a large multi-specialty practice in the Scranton market. The group has been in the community for over 30 year ...
Personal Banker

1 week ago

Fidelity D & D Bancorp, Inc. Scranton, United States

Job Details · Job Location · Scranton, PA · Position Type · Full Time · Job Shift · Day · Job Category · Banking · Description · Fidelity Bank is looking to hire dedicated and conscientious team members who aim to give customers an exemplary banking experience. · We ha ...
Urology Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, PA, United States

Urology Opportunity - Scranton, PA Moses Taylor/Regional Hospital of Scranton is seeking a BC/BE Urologist for an employed opportunity. Join large multi-specialty practice in the Scranton/Wilkes-Barre market · Potential 1:4 call · Office is located on hospital campus · The ...
Physician / Radiology / Pennsylvania / Permanent / Interventional Radiologist Needed in PA Job

3 days ago

StaffPhysicians Scranton, United States

CompHealth is currently assisting a hospital in Pennsylvania with their search for an interventional radiologist. The facility needs an additional physician to help cover the growing patient census. The schedule is Monday through Friday from 8 am to 5 pm with a 1:4 call rotation. ...
Vascular Surgery Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, PA, United States

Vascular Surgery Opportunity - Scranton, PA Regional Hospital of Scranton is seeking a BC/BE Vascular Surgeon for an employed opportunity. · Join a large multi-specialty practice in the Scranton/ Wilkes-Barre market. The group has been in the community for over 30 years, with ...
Neurology Opportunity

2 weeks ago

Permanent Placement Resources, LLC Scranton, PA, United States

Neurology Opportunity - Scranton, PA Regional Hospital of Scranton is seeking a BC/BE Neurologist. Inpatient and outpatient opportunity · Joining a large multispecialty group · Supported by a large primary care base · In addition to competitive salary and benefits, comprehe ...
Account Manager

1 week ago

Hilti Corporation Scranton, United States

What's the role? Our Account Managers serve as the go-to contact for our customers, embodying our purpose to make construction better by being their partner for productivity, safety, and sustainability. You will manage your own portfolio of customer accounts and be given ownershi ...