Affordable Lending Originator

Liberty Bank • Connecticut, Connecticut • 1d ago

At Liberty, we strive to maximize our impact and exceed goals by investing in our teammates to deepen our relationships in the workplace and communities we serve. We take pride in promoting a socially responsible and sustainable future through initiatives and investment.

SUMMARY OF THE JOB:

Reporting to the Loan Originations Manager develops mortgage loan business in the Bank ' s assessment area with a special focus on low- and moderate-income census tracts and low- and moderate-income borrowers. Incumbent will develop a sales plan and implement a marketing approach with emphasis on obtaining CRA-related mortgage loans and performing CRA related activities.

ESSENTIAL FUNCTIONS:

The Affordable Lending Originator is responsible for identifying community and neighborhood groups that have a focus on housing and who could assist the incumbent in meeting the goals of the position. Serve as the Bank's representative to these groups. Conduct an analysis of the market place to identify realtors, attorneys and builders who may specialize in meeting the needs of low and moderate income borrowers. Responsible for developing a sales plan that targets these referral sources and implements the plan to meet CRA objectives. Prepare CRA activity reports detailing all activities related to sales calling and outreach efforts. Originate CRA related first and second mortgages, that meet the Bank's stated guidelines, policies and procedures. Conduct home buyer education training sessions and conduct follow-up with attendees.

SECONDARY FUNCTIONS:

Identify potential cross-sell opportunities for other Bank products and services and refers to appropriate Bank employees.

DIMENSIONS:

Annual Sales Goals: $7-10 million annually of which 80% must be in low or moderate census tracts, substantially minority census tracts or to low- or moderate-income borrowers.

Seminars: Conduct at least one home buyer seminar per month

principal accountabilities:

Development Exercises effective sales techniques and implements successful sales and marketing strategies.

Volume Attains established loan production goals and objectives.

Underwriting Determines qualifications of customers based upon a thorough analysis of borrower's credit profile. Use of automated underwriting system to issue point of sale commitment letters, where applicable.

Outreach Develops and maintains contacts and communications with municipal, civic, community and business groups through community involvement, special events and memberships in local organizations with emphasis on groups whose primary focus is housing.

EEO Acts affirmatively in all activities under his/her control in conformance with the Bank's Affirmative Action, Equal Employment Opportunity, and Equal Opportunity Lending Programs to achieve the Bank's goals and objectives.

Compliance Adheres to applicable federal and state regulations and Bank policies and procedures, including OFAC, BSA, PATRIOT Act, Privacy, and consumer protection regulations pertaining to incumbent's business line.

Product Development Recommends to secondary market CRA products that would facilitate the achievement of strategic goals.

MINIMUM REQUIREMENTS:

Working knowledge of conventional and government loan programs, and Fannie/FHLMC/secondary market guidelines. Thorough understanding of CHFA and FHA guidelines. Four years' sales experience and computer skills required. Bilingual (English/Spanish ) preferred.

PHYSICAL REQUIREMENTS:

Use of General Office Equipment

Ability to Work on a Computer for Extended Periods of Time

Ability to Travel

COMPLIANCE:

Acts affirmatively in all activities under his/her control in conformance with the Bank's Affirmative Action, Equal Employment Opportunity, and Fair Lending Programs to achieve the Bank's goals and objectives. The Bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train and evaluate persons in all jobs without regard to race, color, religion, sex, national origin, or veteran status.

Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.

Job Details

Job Family Lending

Job Function Staff

Pay Type Salary

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