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Employment Listings:

mortgage loan officer

Cayuga Lake National Bank, Union Springs, NY

Key Duties & Responsibilities

Source and develop loans for all aspects of our market including but not limited to: HELOC, residential real estate, and new construction.

Maximize bank profitability through appropriate pricing of new loan originations and fee income.

Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured.

Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank in accordance with bank procedures including the completion and maintenance of financial tracking records in a timely fashion.

Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner.

Support the banks strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.

Build and maintain positive relations with all customers, potential customers and co-workers.

Perform as a team member in allocating and coordinating the work flow.

Contribute to the fulfillment of department and company objectives and goals.

Comply with all department and company policies, procedures and regulations.

Other duties as assigned.

Knowledge, Skills & Abilities

Excellent customer service skills, attentiveness, and information retention.

Ability to interact effectively with employees in order to direct work flow, assess performance and assign duties.

Must be a proficient communicator and listener, as well as strong organizational skills.

Needs to have excellent relationship-building skills.

Ability to influence and persuade to achieve desired outcomes.

Self-starter, ability to work independently.

Competence with computers.

Ability to work in a fast-paced environment & under pressure as needed.

The ability to make sound decisions. This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Banks exposure to loss or fraud and the ability to think through and rationalize decisions.

Job Type: Full-time

Retail lender

Cayuga Lake National Bank
 

Education:
  • An Associates degree in a related field normally required; specialized banking education and training.  Must have completed further schooling associated with expanding knowledge in the field of lending.
Experience:
  • A minimum of five (5) years' experience in related positions normally required.  Resume should display a knowledge of commercial banks lending products and the necessary support structure such as credit administration, loan review, and regulatory compliance.
  • Resume should indicate a banking career which displays a progression of increased and varied responsibilities within banking organizations where applicant has previously worked.
Skill(s):
  • Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, and sales skills, proficient PC skills; visual and auditory skills.
  • Must be a motivated and driven self-starter.
Duties:
  • Underwrite 1-4 family home equity loans, in addition to consumer loans.
  • Solicit new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
  • Maintains a thorough knowledge of the features and benefits of all bank consumer products and services in order to ascertain customer needs and to sell in conjunction with these needs.
Compensation:
  • Commensurate with experience
  • Benefits and Bonuses possible with goal attainment

Please include a cover letter, resume and contact information for four references.