Mortgage Origination Associate I na Arrow Financial Corporation

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team!  Currently, we are looking for an experienced professional to join Residential Lending team as a:

Mortgage Origination Associate I

This opportunity may be perfect for you if you have experience in:

> Excellent organization skills and high attention to detail

> Strong passion for helping people in the community

> Refined communication and customer service skills

About this position:

Responsible for assisting the Mortgage Originations Senior Manager and supporting the mortgage origination team through application preparation, customer service, and mortgage origination file management.  Provide key support and guidance for customers.  Work to meet or exceed established sales goals while meeting credit quality standards as identified in Loan Policy and Company strategic plan. This position has a hybrid optional schedule with a home office of either our Glens Falls or Saratoga Springs Main Office.

Essential Job Functions:

> Manage and respond to customer inquiries in professional and knowledgeable manner to keep mortgage application progressing; assist customers with mortgage application process.

> Enter loans in loan origination system as needed and provide a reviewed disclosure packages within required regulatory timeframes.

> Organize and package mortgage loan applications for Mortgage Originator-Tier1 including interview and application completion, documentation collection and follow up communication with applicant; keep Mortgage Originator informed of application issues needing resolution and assist in resolution process.

> Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans; transmit quality file for processing and/or underwriting review and manage file to closing; confer with operations team to resolve application problems.

> Track file progress by communicating with applicants and operations team; keep originators informed of application issues which may need resolution.

> Communicate with settlement agents and closers to monitor and assist with file closing process.

> Provide data collection and reporting support to Mortgage Originators and management as requested.

> Assist management with coaching, training and counseling staff to meet department goals and achieve performance standards; encourage continuous improvement for career development.

> Stay current on policies, procedures, and regulatory requirements associated with mortgage lending and mortgage origination specifically.

What you will need to thrive in this role:

In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: 

Education/Certifications:

> Bachelor’s degree in related field or equivalent experience preferred

> 4 years of mortgage lending, underwriting, real estate, or legal background preferred

> Current NMLS registration or ability to complete NMLS registration

Skills/Knowledge:

> Strong communications skills, both written and verbal; comfortable communicating with customers, co-workers, management and other third parties

> Proven customer service skills; ability to collaborate with Mortgage Originators to provide outstanding support and service to private banking customers

> Solid problem solving, organizational and analytical skills; ability to make informed decisions both independently and as part of a team

> Proficient in Microsoft Office Suite: Word, Excel, Outlook; knowledge of banking related software

> Thorough knowledge of current mortgage lending regulations and mortgage products including Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac), Federal Housing Administration (FHA), Veterans Affairs (VA), State of New York Mortgage Agency (SONYMA), and United States Department of Agriculture (USDA).

Physical Demands

> Must be able to sit for prolonged periods of time and walk/stand for brief periods of time.

> Must be able to repetitively use a telephone and computer mouse and keyboard.

> Ability to lift/move up to 15 lbs.

What we will bring to the table:

We believe in investing in our employees and helping them grow their career with us.  We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation.  Through our total rewards program, we offer a comprehensive benefits package featuring:

>    Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays

>    Medical, Dental, and Vision Insurance and Flexible Spending Plan

>    Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership

>    Education and Tuition Reimbursement

>    Employee Assistance Program for our employees and their immediate family members

We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.

We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms.

The salary range for this position is $21.65 - $26.50 per hour commensurate with experience and education.

Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance.

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