Residential Loan Officer
Company: East Cambridge Savings Bank
Location: Cambridge
Posted on: May 11, 2022
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Job Description:
Job Description East Cambridge Savings Bank---s Lending Division
is actively recruiting for a Residential Loan Officer Function:
Under the general direction of the Executive Vice President/Chief
Lending Officer, solicits and develops new sources of business and
loan opportunities and originates residential loan products in
accordance with established Bank policies and procedures. We are
looking for candidates with: 1. Proven loan origination sales
experience at local bank or mortgage lender 2. 2 or more years of
mortgage origination experience preferred 3. Familiarity with
Middlesex County preferred 4. Knowledge and understanding of
secondary market underwriting guidelines 5. Well-developed
interpersonal, communication and customer service skills 6. Ability
to travel freely and work without direct supervision 7. Able to
register as a licensed Mortgage Loan Originator as required under
the S.A.F.E. Act Staff Responsibilities: a. Responsible for selling
and originating high quality mortgage loans to meet established
production goals. Develops relationships with attorneys, local
housing agencies, developers and real estate brokers to generate
new mortgage business. b. Solicits customers generated through
various channels, including but not limited to external contacts,
First Time Home Buyer seminars, telephone or electronic e-mail
leads, the Bank---s website, etc. Analyzes each applicant's data,
working with the borrower to prepare a complete application.
Initiates processing and conducts preliminary underwriting.
Determines and recommends appropriate loan products to meet the
needs of the customer. Approves consumer loans up to established
limits. c. Manages the customer experience. Serves as the liaison
between all parties i.e. Brokers, borrowers, and the Bank during
the application process for mortgage loans. Prior to closings, acts
as liaison with attorneys to ensure documentation is accurate and
consistent. Responds to customer questions and inquiries.
d.Establishes and maintains effective working relationships with
Banking Center personnel, providing guidance as needed. Maintains a
general understanding of all products and services offered to
effectively present these products and services to customers. e.
Represents the Bank by participating in various networking,
community and industry related activities which includes but is not
limited to speaking at Mortgage Seminars, representing the Bank at
Mortgage Trade Fairs, acting as a Mortgage Consultant at banking
centers, etc. Promotes Bank services and products to potential
customers when possible. f. Keeps abreast of residential and
consumer loan products and the applicable State and Federal
regulations and compliance issues. Complies fully with all federal,
state and local laws and regulations, policies and procedures,
including but not limited to the S.A.F.E. Act and its registration,
renewal and updating standards. g. Analyzes each applicant's loan
and deposit relationship with the Bank, reviewing how various Bank
products may address an applicant's banking needs and ensuring that
any appropriate cross sale opportunities have been undertaken. h.
Assists with special assignments/projects, and in the development
of new products and services to remain competitive. Other Job
Responsibilities: i. Performs related lending tasks and special
projects as may be required or assigned. Contact our Human
Resources Division or visit www.ecsb.com/careers for more details
and to apply. Or submit your resume to: Email: recruitecsb.com Fax:
617-252-6877 Phone: 617-354-7700 East Cambridge Savings Bank, Attn:
Human Resources 344 Cambridge Street Cambridge, MA 02141 East
Cambridge Savings Bank is an Equal Opportunity
Employer/Veterans/Disabled
Keywords: East Cambridge Savings Bank, Cambridge , Residential Loan Officer, Other , Cambridge, Massachusetts
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