Residential Loan Officer - Spanish Language Specialization

Needham Bank • Amesbury, MA • 1d ago

Job Descriptions:

Originate first mortgage loans, promote the Bank's and its lending services to the real estate community and help to identify and serve the community's financial needs through home loan counseling, real estate seminars and by participating in and promoting the Bank's community activities. Responsible for administering the Loan function in accordance with the policies and procedures of the Bank. Responsible for attracting and gaining new loan prospects.

ESSENTIAL DUTIES & RESPONSIBILITIES

Serves diverse communities with a particular focus on meeting the lending and deposit needs of the Latino communities. Utilizes Spanish language skills and develops relationships with Spanish speaking clients and applicants. Participates in Spanish American community activities; develops referral network; builds relationships with centers of influence and business partners.

Solicit first mortgage loans; personally interview all loan applicants; inform prospective loan clients of the Bank's underwriting guidelines and applicable government regulations

Originate individual loans pursuant to the Bank's loan policies and procedures

Remain current with new legislation and regulations that may affect the Bank's residential lending policies

Establish, maintain and expand a loan sourcing network for generating future business

Personally respond to phone inquiries concerning loan products, and services

Communicate with attorneys, appraisers and other vendors to ensure a timely and efficient process and customer satisfaction

Conduct mortgage seminars and First-Time buyer workshops in Spanish and English -providing additional exposure for the Bank

Collaborate with management to develop and maintain strong mutually beneficial business relationships

Actively participate and provide input into overall Bank management through committee assignments and other tasks

Provide training for loan personnel as directed by management to better penetrate the community

Provide management with pipeline reports and loan status information as required

Prepare, monitor and maintain loan files for assigned borrowers

Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects

Perform additional duties as requested, needed or assigned

Required Experience:

JOB REQUIREMENTS

Fluent in both English and Spanish with strong verbal and written communication skills in both

Ability to build strong relationships and alliances especially with the Spanish speaking community

Superior customer service skills with a desire to exceed customers' expectations

Thorough understanding of State, local and the Bank's community-based programs designed to increase homeownership such as... First-Time Homebuyer programs, MassHousing, MHP and other market specific programs

Established contacts in community for loan referral sources

Extensive knowledge of financial institution policies, procedures, strong knowledge of real estate lending practices and related areas Knowledge of department support structures, resources and personnel

Personal traits should include... being highly self-motivated; willing to adapt to change; having an attention to detail, an ability to multi-task; and being reliable

Strong analytical skills and decision-making ability

Strong sales, managerial and interpersonal skills; values diversity and is sensitive to cultural norms.

Knowledge of secondary market practices, underwriting guidelines, lending laws and procedures for real estate lending

Strong organizational, communication and public relations skills particularly in working with documentation that requires special handling

Ability to adhere to Needham Bank's Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)

EDUCATION & EXPERIENCE

Bachelor Degree in business or finance and 3 or more years' experience in mortgage origination and secondary market underwriting guidelines

Experience originating/processing applications using ICE/Encompass POS/LOS or similar origination system

Proficient in Microsoft Office suite; MS Excel, MS Word and Outlook

WORKING CONDITIONS/PHYSICAL DEMANDS

Normal business office environment

Working in a hybrid work environment with three days in office and two days remote

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well.

At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles.

Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Keyword: Loan Officer

From: Needham Bank

Go to Apply

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