Bank Originator Jobs (NOW HIRING)

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At Tioga State Bank one of our priorities is creating a strong culture that positively impacts our employees, which helps us to better serve our community.

We are proud to be recognized as one of the “Best Banks To Work For” by American Banker for the past eight consecutive years and we could not have done so without the hard work and dedication of our employees.

Current Openings

Position:Mortgage Loan Originator

Location: Vestal, NY

Remote Status: On-Site

Job Id:146-202618

# of Openings:1

GENERAL SUMMARY

Responsible for originating residential mortgage loans and providing mortgage loan guidance to current and prospective Bank customers. This position works closely with community offices, Office Managers, processing, underwriting, closing, and other internal partners to support customers from initial inquiry through closing. The Mortgage Originator is expected to develop and maintain referral relationships, promote the full range of Bank products and services, support mortgage growth objectives, and ensure all loan origination activities are completed in accordance with Bank policy, procedures, and applicable regulatory requirements.

ESSENTIAL FUNCTIONS/MAJOR DUTIES

• Interviews customers to gather information regarding their financial needs, homeownership goals, and mortgage borrowing circumstances. Advises customers regarding appropriate residential mortgage loan options and prequalifies potential applicants, as applicable.
• Guides customers through the mortgage application process from initial inquiry through closing, including explaining loan options, documentation requirements, timelines, and key steps in the home buying or refinance process.
• Completes and submits accurate mortgage loan applications and enters borrower and loan data into the Bank’s loan origination system and related technology platforms.
• Maintains timely and professional communication with applicants, referral sources, community offices, processing, underwriting, closing, and other internal partners to support an efficient and positive customer experience.
• Promotes the full line of Bank products and services and coordinates with community offices and other departments to meet the broader financial needs of customers.
• Develops and maintains relationships with realtors, attorneys, builders, financial professionals, community contacts, and other referral sources to support mortgage production and Bank visibility.
• Participates in sales calls, community outreach, business development activities, and other initiatives designed to generate new mortgage opportunities and deepen customer relationships.
• Provides timely, accurate sales, pipeline, and activity information for customer service, business development, and sales performance reporting.
• Conducts all mortgage origination activities in compliance with Bank policies and procedures and applicable laws and regulations, including fair lending, SAFE Act/NMLS requirements, RESPA, TILA/TRID, HMDA, Bank Secrecy Act/AML, and other consumer protection requirements, as applicable.

DUTIES SUPPORTING ESSENTIAL FUNCTIONS

• Maintains a thorough knowledge of the features, benefits, eligibility requirements, and documentation expectations for the Bank’s mortgage products and related retail services.
• Maintains knowledge of current mortgage lending practices, secondary market or investor requirements, and competitor mortgage programs, as applicable to the Bank’s offerings.
• Maintains an active understanding of policies, procedures, systems, and controls that support compliant residential mortgage origination.
• Prepares and maintains accurate records of customer contacts, referral source activity, sales calls, pipeline status, and other business development efforts.
• Attends sales, trade, community, and training meetings as a Tioga State Bank representative to develop business opportunities and maintain professional knowledge.
• Maintains a working knowledge of applicable software, systems, electronic document tools, loan origination platforms, communication tools, and equipment used in the mortgage process.
• Promotes operating efficiencies, quality application submissions, timely follow-up, and a positive team environment.
• Performs other duties as assigned.

MINIMUM QUALIFICATIONS

Job Specific Knowledge, Skills & Abilities:

• Exceptional customer service and interpersonal skills
• Proven track record with the ability to cross-sell products and services
• Working knowledge of consumer loan documentation.
• Working knowledge of bank operating policies and procedures that impact retail services.
• Considerable knowledge of the features and benefits of all consumer products and services, along with the operating policies and procedures that impact these products.
• Proficient knowledge in the following software:
• Ability to read, write and speak English effectively; effective communication skills
• Ability to perform basic math (add, subtract, multiply, divide)
• Proficiency with personal computers and software including Excel, Word.
• Ability to establish work priorities and remain flexible; ability to efficiently respond in an effective manner to a variety of demands in fast-paced environment
• Ability to maintain use of discretion
• Strong attention to detail and organizational skills
• Ability to perform independent judgment and decision making ability

Education and/or Experience:

• High school diploma or equivalent required.
• Minimum of four (4) years related experience normally required.
• An Associates degree in a related field of study normally required, Bachelors degree preferred.
• Specialized mortgage training normally required.
• Completion of the Principles of Banking course between the first and third year of employment.
• Valid driver’s license and clean driving record.

Working Conditions:

• Travel between all Bank office locations is required
• Some travel for training, seminars, etc. required
• Subject to frequent interruptions
• Subject to early morning and late evening meetings/appointments

Amazing Employee Assistance Program with extensive benefits

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Long & Short Term Disability

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Life Insurance

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Flexible Spending Accounts

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Profit Sharing PlanCulture

Fostering company culture is a journey and is a vital component in achieving success. The goal of developing an inclusive and diverse company culture is to help our employees and customers do extraordinary things. We believe that it’s our ability to work together that makes our dreams believable and achievable.

How to Apply

If you are unable to complete an online employment application, stop by any one of ourcommunity offices for assistance. If a suitable match is determined, we will contact you to discuss the applicable position in more detail. Tioga State Bank is an Equal Opportunity Employer, and as such affirms the right of every person to participate in all aspects of employment without regard to race, religion, color, national origin, citizenship, sex, age, veteran status, disability, or any other protected characteristic. If you are interested in applying for employment and need special assistance or an accommodation to apply for a posted position, contact our Human Resources department via phone at 888-303-4872 or email at employment@tiogabank.com .

EQUAL EMPLOYMENT OPPORTUNITY POLICY STATEMENT

The employment policy of Tioga State Bank is to provide equal opportunity to all persons. Tioga State Bank, therefore, has made a commitment to equal employment opportunity through a positive and continuing affirmative action program. No employee or applicant for employment will be discriminated against because of race, color, religion, sex, national origin, disability, military and/or veteran status or any other Federal or State legally-protected classes.

Tioga State Bank will recruit, hire, train and promote qualified individuals in all job titles, and ensure that all other personnel actions are administered without regard to race, color, religion, sex, military and/or veteran status, or disability in accordance with Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. Tioga State Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986.

To further implement these policies, Tioga State Bank will continue to:

• Base decisions on employment so as to further the principle of equal employment opportunity.
• Ensure that promotion decisions are in accordance with the principles of equal employment opportunity by imposing only valid requirements for promotional opportunities.
• Ensure that all personnel actions (including but not limited to compensation, benefits, transfers, layoffs, return from layoffs, Bank sponsored training, education, tuition assistance, social and recreational programs) are administered without regard to race, color, religion, sex, national origin, disability, military and/or veteran status or any other Federal or State legally-protected classes.

Employees and applicants shall not be subjected to harassment, intimidation, threats, coercion, or discrimination because they have engaged in or may engage in any of the following activities:

• Filing a complaint.
• Assisting or participating in an investigation, compliance evaluation, hearing, or any other activity related to the administration of affirmative action and equal opportunity regulations.
• Opposing any act or practice made unlawful by affirmative action and equal opportunity regulations, including Federal, State, and local law.
• Exercising any other right protected by affirmative action and equal opportunity regulations.

The Senior VP of Human Resources has been designated EEO Coordinator and is responsible for compliance with State and Federal equal employment opportunity laws, and for implementing the affirmative action program, including equal employment practices, monitoring, and internal reporting. Employees believing they have not been treated in accordance with this policy are encouraged to contact Human Resources at 607-589-7600 during regular business hours. The affirmative action plan is available for review at the Human Resources office upon request. Employees and applicants wishing to self-identify as a military and/or veteran or individual with disability, including voluntarily updating their disability status, or to request a reasonable accommodation necessary for the performance of the essential functions of a job, may do so by contacting Human Resources.

This policy statement has the support of the President & CEO, Robert Fisher. The continued success of our Affirmative Action Program requires maximum cooperation from every employee throughout our organization. Equal employment opportunity is not only the law, but it is a principle of Tioga State Bank.

Tioga State Bank is anEQUAL OPPORTUNITYandAFFIRMATIVE ACTION EMPLOYER, VETERANS AND DISABILITY

If you are a current or former employee and would like a paper copy of your 1095-C form, please contact Human Resources athr@tiogabank.com , or call 607-589-7600 and ask to be connected to Human Resources, or send mail to Tioga State Bank, Attention Human Resources, P.O. Box 386, Spencer, NY 14883.

If you have any questions, or want to learn more… #J-18808-Ljbffr