Loan Officer Jobs in Vermont

Residential Whole Loan Mortgage Analyst For 175 years, National Life Group ("NLG") has aimed to keep their promises to provide families stability in good times and in bad. And throughout that history, they have provided peace of mind to those families as they plan their futures. As a mission-driven business, the cause of what they do is as important as the products they sell. And their cause is a very simple one, directed at the people who live and work on America's Main Streets: "To Do good in our communities and with the individual families we serve." NLG Capital, the investment management company of NLG, manages approximately $40+ billion in AUM. Our purpose is simple - to allow NLG to keep its promises. How we do this - an obsessive focus on delivering investment results. We drive results through a rigorous but collaborative investment process, and we hold ourselves to the highest of standards, both as investors and teammates. While our process is based on rigor, our culture is based on our guiding principles: Meritocracy, Uncompromising Transparency, Intellectual Honesty, Performance Driven Learning, Relentless Pursuit of Excellence. These principles serve as the foundation of our team. They govern the way we conduct ourselves, how we interact with teammates and how we approach every investment decision. We act with the integrity and humility required to make the investment decision that is right for the firm, and ultimately our policyholders. Our culture has been deliberately built to foster curiosity and provide opportunities to learn and grow, both as people and investors. The flat and collaborative nature of our team promotes an atmosphere where the best ideas are continually expressed and rewarded. Our pursuit of excellence is unwavering. Role Summary The Residential Whole Loan Analyst will be a key contributor to the execution of our residential mortgage investment strategy spanning over $1.5 billion in whole loan residential mortgages. In this role, the Analyst will support market analysis, loan stratification and data-driven pricing, underwriting support, and portfolio monitoring and reporting. The role requires strong technical skills to enhance data processing, automation, and analytics within the investment process. The ideal candidate should be eager to learn, adaptable to evolving capital markets, and comfortable integrating technology into financial analysis. Additionally, this role will also support ongoing business development efforts, including analyzing new origination channels and conducting due diligence. The Analyst will cross train and develop other members of the team, ensuring proper depth of talent and resources within the capital markets function. The Analyst should have experience in structured products or financial data analytics, with an emphasis on coding and automation. Exposure to residential mortgage and/or RMBS structured finance markets is helpful but not required. The ideal candidate will be an effective communicator and presenter, analytical, detail oriented, ethical, collegial, and an individual with strong problem-solving abilities with the desire to work at the intersection of finance and technology. Essential Duties and Responsibilities * Build, develop, and enhance analytical systems supporting the Residential Mortgage Investment team * Support the residential mortgage team on transactions and asset management of the residential mortgage investment portfolio * Develop and automate data pipelines for market analysis, asset valuation, and performance monitoring * Support research identifying potential trade opportunities, and communicate ideas across the team * Keep portfolio managers updated on key developments in mortgage related sectors, and contribute to the team's strategic outlook in both whole loan and securitized markets * Maintain and enhance internal models and databases for portfolio analytics and reporting * Support the automation of portfolio reporting and analytics, integrating visualization tools * Collaborate with trade support, accounting, and technology teams to streamline data processes * Compile and manage the residential mortgage monthly reporting (portfolio analysis, trade activity, performance attribution, asset exposure) Minimum Qualifications * Undergraduate degree (preferably in Finance, Financial engineering, Economics, Math, Computer Science or related field of study) * 2+ years of experience in structured finance or financial data analytics * Strong academic and applied experience in Python, SQL, and other programming languages for data analysis and automation * Strong quantitative skills with experience in Excel modeling and data visualization tools (Tableau, Power BI, etc.) * Exposure to mortgage markets or other structured products is a plus * Strong problem-solving mindset with the ability to automate processes and improve efficiencies * Detail-oriented, with the ability to connect to form meaningful working partnerships * Experience driving projects to completion * Ability and desire to work in a dynamic and demanding environment * Strong communication and collaboration skills Preferred Qualifications * Experience with institutional code development best practices a strong plus * Knowledge of mortgage modeling systems (Intex, Yieldbook, S&P Levels) a plus Benefits * Your benefits start day one and are flexible and customizable to your and your family's specific needs. Check out the BENEFITS of a Career at National Life! * The base salary range for this role is between $90,000-$125,000 annually. We are open to varying levels of experience. In addition to base salary, other rewards may include an annual bonus, quarterly bonuses, commissions, and other long-term incentive compensation, depending on the position. National Life offers a competitive total rewards package which includes: a 401(k) retirement plan match; medical, dental, and vision insurance; a company funded wellness account for director and below employees; 10 paid holidays; a generous paid time off plan (22 days of combined time-off for non-exempt employees and exempt employees have discretion in managing their time, including scheduling time off in the normal course of business, but in no event will exempt employees receive less sick time than required by state or local law); 6 weeks of paid parental leave; and 6 weeks of paid family leave after a year of full-time employment National Life is accepting applications for this role on an ongoing basis and the role remains open until filled. National Life Group is a trade name of National Life Insurance Company, Montpelier, VT - founded in 1848, Life Insurance Company of the Southwest, Addison, TX - chartered in 1955, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company. All other entities are independent of the companies of National Life Group. National Life Group 1 National Life Dr Montpelier, VT 05604 Social Media Policy Site Disclosure and Privacy Policy #LI-KV1 #LI-Hybrid

Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N. A. , operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities A Commercial Banking Officer - Business Banking is responsible for performing a variety of duties to meet the commercial services needs of business customers, achieving customer service goals as established in the Commercial Banking Department's annual operating plan, complying with operating policies and procedures established for the commercial services function, communicating with appropriate personnel, responding to inquiries or requests for information, maintaining appropriate records and providing assigned reports. This position is also responsible to accurately risk rate assigned loan relationships on a timely basis. Performs a variety of duties to meet the commercial sales and services needs of business customers as follows: Maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities and solicit other new business Makes outside sales calls on prospective customers to assess needs, and describe and sell products and services. Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports. Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis. Serves as a member of the bank's sales team, e. g. , Branch Manager; makes group sales calls where these types of calls will improve the opportunity for new business development. Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs. Provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority. Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems. Maintains a working knowledge of bank operating policies and procedures with impact commercial services. Prepares and maintains accurate records of all customer sales and service calls made and meetings held with present and prospective customers. Provides quality service to customers, whether internal or external. Demonstrates cooperative efforts in working with other departments and within own department. Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Banking Department's annual operating plan. Complies with established operating policies and procedures in order to maintain adequate controls and to support the bank's adherence to outside regulatory requirements. Communicates with management and staff personnel in order to integrate goals and activities. Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc. , within given time frames and within established policy. Maintains appropriate records and provides assigned reports. Monitors and reviews accounts for appropriate risk rating to avoid risk rating changes by Loan Review, the OCC or other loan review processes. Other related duties as assigned or directed. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion. Qualifications Minimum 3+ years' experience in related positions normally required with an emphasis on Middle Market Banking B. S. /B. A degree in a related fiend of study normally required Specialized banking education and training. Proficient reading, writing, grammar, and mathematics skills. Proficient interpersonal relations and communicative, and sales skills. A thorough knowledge of the features and benefits of all bank commercial products and services. A working knowledge of bank operating policies and procedures, which impact commercial services. Valid driver's license. All applicants must be 18 years of age or older. Other Job Information Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on! Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus. The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law. The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department. Minimum USD $80,000. 00/Yr. Maximum USD $139,633. 00/Yr.

As one of the oldest, independent community banks in Vermont, Union Bank has a longstanding reputation for investing in the success of our customers and communities. Founded in 1891 in Morrisville, Vermont, Union Bank is a full-service bank offering commercial, retail, municipal and asset management services throughout northern Vermont and northern New Hampshire. What are we looking for? Union Bank is seeking a motivated individual to join our Residential Loan Processing Team. This individual would be responsible for performing a variety of support, administrative, and clerical duties to provide retail loan assistance to Residential Loan Officers. This candidate will also oversee completion and accuracy of loan documents. Why work with us? While working for a VT Based company that makes a difference in our VT and NH communities, you can enjoy the following perks: * Generous Paid Time Off * Health, Dental, and Life Insurance * Partially paid Short and Long-Term Disability * Company-matched 401K retirement account * Bankers' hours * Paid Federal Holidays

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationHartford, Vermont, United States of America

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationHartford, Vermont, United States of America

pstrong Bar Harbor Bank amp; Trust offers: competitive pay, referral incentives, an employee stock purchase plan, medical/dental/vision/life insurance plans, paid holidays, 401(k) plan, paid time off, a wellness program, continuing education benefits, and more!/strong/p pBar Harbor Bank amp; Trust, one of New England's top financial institutions is looking for a responsible and dedicated individual to join our Residential Lending team as a strong Mortgage Loan Originator/strong in Randolph, Vermont./p pThe ideal candidate is a self-starter, who enjoys working with new and existing customers, to provide thoughtful solutions through lending and companion products that require more complex sales techniques. This is a great opportunity to work with a very successful, strong rooted residential lending department. The organization offers robust technology solutions to optimize the performance of our ambitious team of mortgage professionals./p pstrong Responsibilities (Essential):/strong/p ul li Meeting with customers or prospective customers in order to promote products offered by the Bank, in an effort to meet customer needs while providing excellent customer service/li li Develop and maintain a network of developers, realtors, attorneys, accountants, and other potential centers of influence and referral sources/li li Market and cross-market the Bank's loan and other products and services, using approved marketing materials/li li Originate new mortgage and home equity loans/liens, obtaining all required information and documentation from the customer/li li Able to work with multiple systems applications to navigate products and recommend profitable solutions from unstructured inbound and outbound sales leads/li li Ability to skillfully craft lending products with companion products and pricing that results in client sales/li li Demonstrates solid sales production in volume or units over a sustained timeframe/li li Stay informed with all different kinds of loans available and is comfortable interviewing applicants to assess their loan requirements/li li Ability to advise applicants on which option is best suited for their needs/li li Make all required disclosures to customers, including, without limitation, disclosure of all required loan fees and costs/li li Provide progress reports to clients, and assist with resolving any discrepancies/li /ul pstrong Required Education amp; Experience:/strong/p ul li At least three years of previous experience as a Mortgage Loan Originator is strongrequired./strong/li li Prior banking experience strongrequired./strong/li li Minimum of an Associate's degree, or equivalent work experience./li li Full competency in business math and basic accounting skills./li li Ability to analyze, interpret findings and results, and to draw logical conclusions in carrying out day-to-day responsibilities. Flexibility to learn and keep current with changing procedures and regulations, varying job assignments, technological advances, and new equipment./li li Proven history of working as a positive team member in a fast paced, high volume environment while managing multiple priorities./li li Exceptional customer service skills./li li Must obtain and maintain a valid NMLS registration./li li Working knowledge of Windows-based software programs./li /ul pBar Harbor Bank amp; Trust is an Equal Opportunity Employer, Minority/Female/Disability and Protected Veteran. /p h6strongEEO is the law /strongstrong English - a href="****************************************************************** rel="noopener" target="_blank"************************************************************************* is the law Spanish - a href="**************************************************************** rel="noopener" target="_blank"****************************************************************************** h6strongEEO is the Law Poster Supplement - a href="************************************************************************************************* rel="noopener" target="_blank"************************************************************************************************************ h6strongPay Transparency - a href="********************************************************************************************* rel="noopener" target="_blank"********************************************************************************************************

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** This role works in partnership with internal partners and CRE Loan Administrators as the primary liaison with customers, attorneys, construction consultants and title company representatives during all phases of construction loan financing. Construction loan products include developer/investor commercial construction projects such as retail, office, mixed use, industrial, healthcare, SBA; and residential construction including apartments, condos, homebuilder, and affordable housing. Job duties are as follows: + Review and/or negotiate Commercial Real Estate (CRE) construction loan documents. + Analyze and administer the construction draw disbursements from the time the loan is approved until the project completion. **Basic Qualifications** - High school diploma or equivalent - Typically, two to three years of experience in commercial real estate loan administration, OR at least five years of transferable experience in commercial loan administration **Preferred Skills/Experience** - Basic knowledge of commercial real estate lending including letters of credit, tax credit transactions, borrowing base lending, multi-phased construction, and transactions secured by multiple collateral properties - Some technical expertise in closing and loan management functions - Basic knowledge of commercial real estate finance, law, documentation, accounting and data systems - Experience in Built or other construction draw documentation software - Proficiency with Microsoft Suite - including Excel, Outlook and Teams - Bachelor's degree preferred _This role is posted as remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week._ If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law **EEO is the Law** U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company's status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (********************************************************************************************* EEO poster. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $68,850.00 - $81,000.00 - $89,100.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

We are seeking a motivated and detail-oriented Mortgage Loan Originator all across Vermont to join our dynamic team. In this referral-based position, you will be responsible for guiding clients through the mortgage application process, ensuring compliance with mortgage regulations, and providing exceptional customer service. The ideal candidate will possess strong sales skills, a solid understanding of mortgage servicing, and the ability to work effectively with various accounting software. Responsibilities Develop and maintain relationships with clients to understand their mortgage needs and provide tailored solutions. Assist clients in completing loan applications and gather necessary documentation for underwriting. Evaluate applicants' financial information to determine eligibility for loans. Ensure compliance with Fair Housing regulations throughout the loan origination process. Utilize accounting software and other tools to manage loan processing efficiently. Maintain accurate records of all transactions and client interactions. Stay informed about industry trends, changes in regulations, and new products to better serve clients. Collaborate with underwriters and other team members to ensure timely processing of loans. Provide ongoing support to clients throughout the mortgage servicing process. Requirements Proven experience as a Mortgage Loan Officer or in a similar sales role within the mortgage industry. Deep knowledge of mortgage loan products, regulations, and the home loan process. Excellent communication, negotiation, and interpersonal skills. Self-motivated with a strong drive to build a referral-based business. Ability to establish and maintain relationships with a diverse range of professionals and clients. Active NMLS license required (or the ability to obtain one). Strong organizational skills and attention to detail. Join us as we strive to provide exceptional mortgage solutions while fostering a supportive environment for our employees' growth and success!

Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N. A. , operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals. Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business. Grow Your Pipeline - Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources. Close More Deals - Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing. Be the Go-To Expert - Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies. Deliver White-Glove Service - Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience. Maximize Cross-Selling Opportunities - Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management. Own the Loan Process - Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding. Stay Ahead of the Market - Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor. Make an Impact - Represent the bank at local business and community events, delivering exceptional value and building brand awareness. Drive Compliance & Excellence - Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion. Perform other related duties as assigned or directed. Ancillary Duties: Cooperate with other members of department to achieve department goals Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals Qualifications Education, Training and Requirements: An Associate's degree or equivalent preferred. High School Diploma or GED required. Specialized Banking and lending education and training. Valid driver license. Skills: A Winning Mindset - Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you. A Sales-First Approach - Strong relationship-building skills and the ability to generate referrals and new business opportunities. Financial Knowledge - An understanding of mortgage products, underwriting guidelines, and regulatory requirements. Technology & Communication Skills - Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities. Education & Licensing - An Associate's degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act. A Commitment to Growth - Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship. Must be able to consistently demonstrate the Company's core values: Integrity, Excellence, Teamwork, and Humility Other: This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Experience: 3+ years of experience in a professional sales environment in financial services normally required. Other Job Information Hours: Fill In hours/week Compensation: Commensurate with experience plus commisions and potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on! Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus. The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law. The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department. Minimum USD $19. 23/Hr. Maximum USD $19. 23/Hr.

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBurlington, Vermont, United States of America

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBurlington, Vermont, United States of America

Bar Harbor Bank & Trust offers: competitive pay, referral incentives, an employee stock purchase plan, medical/dental/vision/life insurance plans, paid holidays, 401(k) plan, paid time off, a wellness program, continuing education benefits, and more! Bar Harbor Bank & Trust, one of New England's top financial institutions is looking for a responsible and dedicated individual to join our Residential Lending team as a Mortgage Loan Originator in Randolph, Vermont. The ideal candidate is a self-starter, who enjoys working with new and existing customers, to provide thoughtful solutions through lending and companion products that require more complex sales techniques. This is a great opportunity to work with a very successful, strong rooted residential lending department. The organization offers robust technology solutions to optimize the performance of our ambitious team of mortgage professionals. Responsibilities (Essential): * Meeting with customers or prospective customers in order to promote products offered by the Bank, in an effort to meet customer needs while providing excellent customer service * Develop and maintain a network of developers, realtors, attorneys, accountants, and other potential centers of influence and referral sources * Market and cross-market the Bank's loan and other products and services, using approved marketing materials * Originate new mortgage and home equity loans/liens, obtaining all required information and documentation from the customer * Able to work with multiple systems applications to navigate products and recommend profitable solutions from unstructured inbound and outbound sales leads * Ability to skillfully craft lending products with companion products and pricing that results in client sales * Demonstrates solid sales production in volume or units over a sustained timeframe * Stay informed with all different kinds of loans available and is comfortable interviewing applicants to assess their loan requirements * Ability to advise applicants on which option is best suited for their needs * Make all required disclosures to customers, including, without limitation, disclosure of all required loan fees and costs * Provide progress reports to clients, and assist with resolving any discrepancies Required Education & Experience: * At least three years of previous experience as a Mortgage Loan Originator is required. * Prior banking experience required. * Minimum of an Associate's degree, or equivalent work experience. * Full competency in business math and basic accounting skills. * Ability to analyze, interpret findings and results, and to draw logical conclusions in carrying out day-to-day responsibilities. Flexibility to learn and keep current with changing procedures and regulations, varying job assignments, technological advances, and new equipment. * Proven history of working as a positive team member in a fast paced, high volume environment while managing multiple priorities. * Exceptional customer service skills. * Must obtain and maintain a valid NMLS registration. * Working knowledge of Windows-based software programs. Bar Harbor Bank & Trust is an Equal Opportunity Employer, Minority/Female/Disability and Protected Veteran. EEO is the law English - ***************************************************************** EEO is the law Spanish - *************************************************************** EEO is the Law Poster Supplement - ************************************************************************************************ Pay Transparency - ********************************************************************************************

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. **Primary Responsibilities:** + Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. + Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. + Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. + Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. + Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. + May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. + Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. + Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. + Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. + Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. + Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. **Scope of Responsibilities:** The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. **Education and Experience Required:** Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. **Education and Experience Preferred:** Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. \#LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Burlington, Vermont, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.