Mortgage Loan Originator II bei Citizens Bank (C&N)

Who are we?

For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.

From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.

Who are you?

You’re a seasoned mortgage professional who thrives on building relationships, delivering exceptional client experiences, and driving results. At C&N, we’re seeking a Mortgage Loan Originator II to join our Mortgage Lending team. In this role, you’ll leverage your experience and market knowledge to originate and underwrite residential mortgages, develop strong referral networks, and help clients achieve their dream of homeownership. If you’re an experienced originator who’s ready to grow your impact with a community-focused bank that values service, integrity, and results—this role is for you.

You will be responsible for:

1. Mortgage Sales & Origination: Originate and underwrite conforming and non-conforming residential mortgages while maintaining accuracy, compliance, and client satisfaction.
2. Business Development: Develop and manage relationships with referral sources including realtors, attorneys, builders, and branch lenders to generate new business opportunities.
3. Client Consultation: Interview clients, analyze financial needs, and provide clear, personalized mortgage solutions using C&N’s suite of lending tools.
4. Cross-Selling: Identify opportunities to connect clients with additional financial solutions across deposit, insurance, investment, and trust services.
5. Community Engagement: Actively participate in community events to promote C&N and strengthen brand awareness.
6. Collaboration: Partner with internal teams to ensure timely, compliant loan closings and a seamless client experience.

Requirements:

Education & Experience – You will need a Bachelor's Degree AND 4-6 years previous related experience in a customer service setting, preferably in a banking environment OR an equivalent combination of education and experience.

Required Certifications – NMLS  (within 1 year of employment)

Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Proven sales experience with strong business development and relationship management skills.

• Excellent communication, active listening, and analytical abilities.

• Ability to manage multiple priorities in a fast-paced environment.

• Strong understanding of mortgage lending and market trends.

• Willingness to travel for client meetings and community involvement.

Key Competencies – The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include:

• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.
• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Business Insight: Understands business operations, market trends, and applies knowledge to drive results.
• Customer Focus: Delivers tailored solutions, exceeds expectations, and builds strong customer relationships.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

Comprehensive Benefits for Your Success:

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health & Wellness:
• Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer-paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.