Working under the directives and goals set forth by the Mortgage Development Manager, each MDO is responsible for the production of mortgage originations within assigned geography.Assists in ensuring that the Bank complies with local, state and federal regulations.
New Residential Mortgage Originations:
Meets assigned mortgage origination sales quotas.
Develops, maintains and leverages referral source network for mortgage sales that includes, but is not limited to, realtors, builders, financial advisors, CPAs, lawyers and community leaders.
Participates in at least 40 outside sales calls per month which include business development calls to real estate agents, contractors, developers, COI contacts, settlement agents (attorney firms), participation in CEU classes, participation in R/E agency staff meetings, attending closings and attendance at R/E monthly Board Meetings. It is anticipated that the direct and indirect sales activities will account for more than 50% of the MDO's work time.
ØBusiness sales calls generally require research, proposal preparation; follow up calls to confirm data, face to face meetings with clients to describe products, obtain financial data, and complete applications, problem resolution, construction contract review, meetings with representatives from OnTarget (inspection service for construction projects) file documentation to support underwriting conditions and ongoing communications with customers.
With the Manager of Mortgage Originations, executes sales and marketing campaigns to increase deal flow and establish Bangor Savings Bank as "The Preferred Lender" within the assigned market. The focus of business calling efforts is to grow the BSB Brand by developing new mortgage sales leads and sales, referral sources, direct customer contact and enhancing BSB's level of mortgage sales service to business customers and business partners.
Ensures timely delivery of pre-qualification, pre-application and residential mortgage applications.
Maintains/increases working knowledge of products.
Serves as the Senior Residential Mortgage Originator for Branch network with assigned territory.
Services referrals from internal business partnersto maximize the customer experience
Coordinates activities with Branch partners as appropriate.
Identifies prospects / customers for cross sales opportunities and refer to business partners accordingly.
Maintains strong and effective working relationships with internal Loan Operations and Retail personnel.
Attends closings outside of Bank for purchase mortgages and other types as needed.
Administration / Other:
Maintains a current working knowledge of secondary market requirements, MSHA and VHA guidelines and other applicable program procedures and regulations.
Conducts business in absolute conformance with local, state, and federal regulations and procedures.
Compliance and Control:
Assists in ensuring that the Bank complies with local, state and federal regulations
Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.
Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook.
Performs additional duties as requested
Bangor Savings Bank is an Equal Opportunity/Affirmative Action Employer.
Three years or more of banking or credit related experience required.
Excellent customer service skills required.
Demonstrated personal computer literacy.
Ability to handle complex problems.
Strong communications skills, oral, and written required.
Frequent travel in designated market area with own vehicle.
Current driver's license required.
General office environment.
Moderate lifting (to 35 lbs.) required.
Moderate reaching, walking, sitting and standing required.
High school diploma or equivalent required. College, Business or Banking professional training helpful.
Full benefits package including health, dental, life and disability insurance options; 401(K) plan; incentive bonus program; free and discounted bank products and services; PC purchase program; parking; tuition reimbursement; fitness program reimbursement.
Bangor Savings Bank
PO Box 930
JobsInME.com's mission is to help job seekers find real, local, jobs in Maine and reach their career goals.
With JobsInME.com, job seekers can conveniently search jobs by location, category, duration, and more. Users can also browse jobs by category and/or city. All employment opportunities are conveniently organized to facilitate the search of jobs - including full-time, part-time and temporary positions, as well as seasonal and volunteer work. Job seekers can save their custom search preferences, and even choose to receive automated Job Alert emails on a daily or weekly basis.
JobsInME.com is Maine's number one resource for job seekers and employers, offering insightful advice and articles through our award-winning newsletters and social media channels. JobsInME.com is actively involved in the communities we serve, partnering with local chambers of commerce, sports teams, trade associations and career centers, and attending local career fairs and business-to-business events.