Loan officer jobs in Maine - 29 jobs

Are you an experienced Consumer Loan Officer ready to advance your career in Maine's banking industry? Join an organization that emphasizes your professional growth and development. As a Consumer Loan Officer II, you'll dedicate yourself to delivering best-in-class service and educating members on our products and services, embodying Atlantic FCU's core values and mission. Your role focuses on providing tailored assistance to existing and prospective members by addressing their needs and presenting informed solutions. You will be proactive in exceeding branch referral goals, ensuring member satisfaction remains a top priority. If you excel in offering outstanding customer service, Atlantic Federal Credit Union invites you to join our team, dedicated to helping members achieve more every day. Key Responsibilities: Originate new consumer loans with a focus on high-quality service delivery. Identify member needs and effectively cross-sell relevant products and services. Coordinate with external partners to smoothly execute loan processes. Are you passionate about helping people, leveraging the power of a smile, and maintaining a dedicated work ethic? If so, apply today! Atlantic FCU proudly offers equal opportunity employment. Requirements The ideal candidate will have at least three years of experience in lending. You should have keen attention to detail, excellent written and verbal communication skills, and thrive in fast-paced environments. Proficiency with computers and the ability to quickly learn new platforms are essential. This position is primarily based in South Portland, with the flexibility to support members at various branch locations as needed.

Full-time Description TITLE: Loan Originator REPORTS TO: Retail Branch Manager FLSA CLASS: Exempt BASIC FUNCTION: The Loan Originator (LO) is responsible for originating their own sales by contacting prospective clients and by developing and maintaining referral sources. The LO spends significant time out of the office conducting sales calls, meeting with borrowers and attending closings. The LO has flexibility in setting their working hours as well as scheduling the tasks performed in a work day. The LO is compensated on a commission only basis. ESSENTIAL DUTIES: Principal duty is the origination of mortgage loans, i.e. sales. Ongoing, in-person contact with referral sources, to ensure continuous leads and relationships with individuals such as borrowers and realtors. Conducts sales calls, attends realtor sales meeting, open houses, functions and trainings. Takes thorough and complete loan applications; analyzes and prequalifies applicant information to determine viability of the client's desired loan program. Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements Corrects inaccuracies and determines correct loan options for the borrower based upon the applicant's present situation, future plans and preferred loan product. Provides guidance and information relevant to the risks and benefits of each program the applicant is qualified for. Effectively explains and communicates the terms of each product and ensures all documents necessary are signed by the borrower. Gathers all initial documentation required based upon the applicant's selected loan program including disclosure requirements. Provides loan package to the loan processor for review, stacking and pre-submission audit. Works with the loan processor to provide any letters of explanation, or additional documentation as necessary and required by underwriting to clear all conditions and close each loan. Maintains a working file for the office as required for compliance. Acts as a liaison for all parties to the transaction, i.e. buyer, seller, realtor, builder, title company, appraiser, credit vendors, etc. Requirements KNOWLEDGE, SKILLS AND ABILITIES: Thorough understanding of mortgage products, pricing and guidelines. Up to date understanding of all regulatory compliance and participate in various required trainings HarborOne Mortgage provides. Ability to take accurate and thorough loan applications Possess a working knowledge of credit reports, DTI, LTV, and CLTV ratios Have excellent communication and interpersonal skills Attention to detail and outstanding customer service is critical to success Ability to create, implement and adapt a market penetration strategy for lead development, prospect to client conversion, and client to close conversion. Ability to self-source business through sales activities including cold calling, appointment setting, and group presentations. Ability to create marketing systems to source new business as well as keep in touch with existing clients, realtors, builders, etc. Experience with Outlook, Microsoft Office and other similar software preferred. EDUCATION: A minimum 1 year of Mortgage Origination experience is required PHYSICAL DEMANDS: While performing the responsibilities of this position, the employee is required to effectively communicate verbally. The employee must be able to effectively operate a keyboard. The employee is occasionally required to reach with arms and hands and occasionally lift and/or move up to 10-15 pounds. Vision abilities is required by this job include close vision. The requirements outlined above are representative, but not all-inclusive, of the knowledge, skill and ability of this position. Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions

WHAT IS THE OPPORTUNITY? This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. WHAT WILL YOU DO? * Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategy * Calls on clients or their designated representative's and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans * Provide sound and ethical loan counseling to all potential applicants. * Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service * Complete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices. * Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements * Develop and/or implement sourcing strategies as required by written goals. * Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand * Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends. * Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations * Attend regularly scheduled sales meetings, training sessions and Bank functions. * Perform other duties as requested or assigned by management, such as special projects within the Residential Lending Division * Foster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes. * Commitment to work of nonprofit organizations and making a positive impact in the community * Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * H.S. Diploma * Minimum 5 years of retail residential mortgage sales experience * Minimum 3 years of mortgage or financial experience as part of a community lending team * Minimum of 5 years of experience with diverse and underserved clients * Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. *Additional Qualifications* * Highly prefer network of professional and nonprofit referral sources * Highly prefer a BA/BS degree with preference for business, finance, or economics degree * Demonstrated superior sales and marketing ability * Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bank * Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite * Knowledge of mortgage credit policies and current industry compliance standards * Must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS. * Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities *WHAT'S IN IT FOR YOU?* *Compensation* This is a commission-based role and does not have a set salary range. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job. \#LI-RK \#CA-RK

Function: The Commercial Deposit Officer is responsible for acquiring new deposit and cash management clients, with a strong emphasis on generating new deposits. The role requires a solid understanding of commercial banking products and proven business development skills, including reviewing RFPs and executing strategies to win high-value clients, and focusing on the sale of deposit services, merchant solutions, and payroll services. The officer will build long-term client relationships by identifying financial needs and delivering tailored solutions, with a focus on acquiring new deposit relationships, Treasury Management products, and other relevant banking services. The role also involves analyzing market trends to identify growth opportunities. The primary clientele consists of businesses within a defined geographic region. Requirements Duties: Meet assigned production goals. Sell the Bank's commercial deposit products and services with a primary focus on new business/commercial relationships. Actively perform outside sales calls on a weekly basis to sell the Bank's products in a professional manner. Call clients, prospects, and referral sources to develop new business, expand client base, and create a network of prospects and center of influences. Partner on sales calls with other business lines as appropriate. Prepare long- and short-term objectives and call strategies. Execute on initiates derived from the Bank's Strategic Plan focused on inorganic or organic growth. Foster collaborative partnerships with line of business partners and actively hand off referrals of customers and prospects as needed. Comply with regulations, procedures, and internal bank policies. Ensure compliance with all regulatory requirements in each client interaction. Provide regular updates/reports to management on new client acquisitions, new revenue growth, and pipeline activity. Analyze market trends and identify areas of target for new client growth. Practice active listening when meeting with clients and ask relevant questions to ensure customer needs and preferences are being met. Especially when tailoring a proposal or product solution. Perform other duties as requested. Education, Training and Experience: High school diploma or GED required as a minimum College degree preferred, business administration, finance, accounting, allied major, or equivalent. Bank experience in a customer contact position and prior supervisory experience is desirable. Work experience in an unsupervised environment Skills and Abilities: Strong business development and sales skills Self-starter with goal driven mentality Ability to work independently under general supervision Must possess a valid driver's license. Position requires frequent driving to various branches, client meetings, etc. Knowledge of commercial and retail banking products and services Knowledge of treasury management services Proven networking and sales calling experience and success Experience supporting a financial services network Reasoning, Mathematical, Communication and Language skills are required to do this job. Some, but not all, areas mentioned in this section will be included in this job. Reasoning: Ability to solve practical problems and deal with a variety of variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral, diagrammatic, or schedule form. Mathematical: Add, subtract, multiply, and divide all units of measure. Perform the four operations with like common and decimal fractions. Compute ratio, rate and percent. Financial Literacy Language: Write letters with proper format, punctuation, spelling and grammar, using all parts of speech. Speak with poise, voice control, and confidence, using correct English and well-modulated voice. Technical writing, communication and presentation skills Strong customer focused individual with good interpersonal and communication skills Relationship to Data, People and Equipment: Data: Compiling, gathering, collating, or classifying information about data, people or things. Reporting and/or carrying out a prescribed action in relation to information is frequently involved. People/Sales Acumen: Must have a strong work ethic with a desire to meet the needs of customers and coworkers in a fast-paced environment in a timely fashion. Equipment Used: Personal computer networked to mini-main frame system Calculator/adding machine Photocopier /Scanner Physical Demands: Must have the ability to read/see documents and PC screens, to communicate in person and via the telephone, and to use a PC extensively. The ability to speak, see, hear and write is integral to the position. Requires the use of eyes, hands, and fingers, at the same time, to operate an adding machine, calculator, and/or personal computer. Primarily sedentary work which involves sitting most of the time. Must be able to move to all areas of the branch to assist where needed as well as to travel to meet customers. Must be able to lift at least 15 pounds. Environmental Conditions: Inside: protection from weather conditions but not necessarily from temperature changes. Some outside travel required to attend meetings and visit customers.

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. 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.LocationPortland, Maine, United States of America

Full-time Description Skowhegan Savings Bank seeks an individual to join our team in Portland, ME as a Commercial Loan Officer. The Commercial Loan Officer is responsible for building, maintaining and growing commercial banking relationships by generating loans and making referrals to other banking services. Additional duties would involve growing the commercial loan portfolio and understanding potential risk with the portfolio. Duties and Responsibilities: Develops commercial loan prospects from current customers, referral leads, and other sources to include both Commercial and Commercial Real Estate loans. Initiate calls with other bank personnel while reciprocating referrals back to each line of service. Contact prospective customers to present information on available commercial loan and deposit services. Makes presentations on financial, deposit and loan services to groups to attract new clients. Collects and analyzes financial and other related data in order to determine the credit worthiness of the borrower within the parameters of the bank's loan policies (includes thorough analysis of financial statements). Prepares proposal to sell services. Establishes and negotiates the terms under which credit will be granted to comply with loan underwriting guidelines. Originates, processes, approves within lending authority or submits for approval, and closes commercial loan originations. Participates in various civic and business organization events and activities to develop business network and favorable image for the bank. Be the Bank's eyes and ears into business and economic activities for assigned geographic market. Works with the Commercial Credit Analyst and Commercial Loan Assistant to ensure and expedite proper completion of all documentation required for each loan. Reviews existing loan portfolio for documentation exceptions and periodic financial statements to maintain established quality standards consistent with bank policy. Work with the Finance Authority of Maine and Small Business Association to secure agency guarantees for commercial customers. Assumes additional responsibilities as assigned. Requirements Education and Experience: Commercial Loan Officer I: Associate's degree or equivalent work experience and 3 -5 years of related experience and/or training in Commercial Banking. Skills and Abilities: Strong knowledge of commercial lending. Strong knowledge of bank products and services. Demonstrated proficiency with analyzing financial statements. Strong sales, negotiation and networking skills. Strong and effective communication skills, both oral and written. Strong analytic and critical thinking skills. Excellent organizational skills and attention to detail. Proficient computer skills. Ability to handle multiple projects and meet deadlines. Working Conditions: General office environment Physical surroundings are generally pleasant and comfortable Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required.

This job includes a base rate plus commissions. Total Potential Annual Earnings: $33,280 - $220,000 Responsible for driving the growth of our company by originating residential mortgage and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines. Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives. Maintains a network of outside referral sources in assigned territories. Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs. Coordinates the flow of documentation from application to closing while also working with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate. Education and Experience: Associate's degree in business or related discipline and two (2) years' experience in sales or equivalent combination of education and experience. Two (2) years mortgage or lending experience preferred. Skills and Abilities: Proficient with Microsoft Office - Word, Excel, PowerPoint, Outlook Ability to cold call prospects; network and develop outside business referrals. Strong Verbal and Written Communication skills Ability to multi-task in fast paced environment Knowledge of a variety of mortgage loan products Ability to analyze credit reports and income and asset calculations. Unique Job Characteristics and Requirements: Flexible schedule includes evening hours and managing timely workflow. Requires evening and weekend hours for meetings, appointments, and business/industry networking events. NMLS Certification required or ability to obtain upon hire. Tasks Performed: 40% Originate mortgage loans and participate in related business development activities. Develop plan to achieve sales goals, develop and deliver sales presentations, attend industry networking events and contact realtors, builders and developers to build a network of outside referral sources. Coordinate sales and product training activities with retail branches. 35% Meet with prospects, explain variety of mortgage products and services available and offer recommendations based on evaluation of individual prospect needs. 10% Negotiate terms and conditions of loans within approved authority and finalize sales. Attend closings as needed. Sell other NBT and services as appropriate. 10% Obtain and analyze pertinent financial and credit data. Ensure the preparation and processing of forms and legal documents required for loans. Create system files with documentation for underwriting, and regulatory purposes. 5% Other duties as assigned. Physical Requirements: Communicate effectively with internal and/or external customers Stationary 50% of time Move about within or between locations Bend, Twist, Crouch, Squat Move Objects to Maximum 10 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. Parental Leave: Six weeks of paid leave at 100% of your salary. Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well-being. Flexible Spending Accounts: For healthcare and dependent care expenses. Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. Adoption Assistance: Supporting your growing family. Tuition Reimbursement: Invest in your education and career growth. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future Paid Sick and Safe Leave: For your health and safety. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time.

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. 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** Portland, Maine, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $91,000 - $136,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Personal & Commercial Banking **Job Description:** The Commercial Portfolio Loan Officer III administers and monitors portfolio of Commercial loans, personally managing or assisting lenders in managing loan relationships within the group. **Depth & Scope:** + Administers and monitors large portfolio of large, complex commercial loans + Personally manages loan relationships with in the group + Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity + Pays specific attention to credit administration, exception and risk management based on common metrics + Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded + Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current + Accompanies loan officers during sales calls to assist with account details and implementation + Provides technical guidance and assists staff with most complex aspects of work as necessary + May provide training and mentoring for new and less experienced staff + Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans + Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors + Visits Customers independently and with commercial loan officers to maintain strong business relationships + Is assigned own accounts and/or share account management responsibilities with commercial loan officers + Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms + Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded + Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process **Education & Experience:** + 4 year degree or equivalent experience + 5+ years related experience + In-depth understanding of commercial credit decision process + Demonstrates credit, financial analysis and accounting skills + In-depth knowledge of commercial legal and regulatory guidelines + Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships + Demonstrates attention to detail + Supervisory skills + Demonstrated communication skills, both verbal and written + Proficient PC skills **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. \#LI-AMCBCorporate \#IN-AMCBCorporate **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

- Responsibilities/Duties/Functions/Tasks The purpose of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts. Develops new business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc. · Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs · Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines · Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions · Carries out major assignments affecting business operations of the employer or the employer's customers through: o collecting and analyzing information regarding the customer's income, assets, investments, or debts o analyzing applicant data, credit and collateral property value o determining which financial products best meet the customer's needs and financial circumstances o providing advice to the customer regarding the advantages and disadvantages of available financial products o marketing, servicing, or promoting the employer's financial products · Completes necessary CE in a timely manner and remains current on local developments and trends within the real estate and mortgage industries · Provides origination services in the state of licensure · Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities · Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings Qualifications · Sales experience in the mortgage industry is preferred · Familiarity with mortgage processes, procedures, rules, regulations, and compliance · Exceptional customer service skills with a strong attention to detail · Excellent written and verbal communication skills · Strong computer skills to include a working knowledge of MS Office · Ability to comprehend and analyze financial information · Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management · Established contact and referral list within the real estate and mortgage industries preferred · Ability to pass a required background check Company Conformance Statement In the performance of assigned tasks and duties all employees are expected to conform to the following: § Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines. § Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities. § Contribute to establishing a respectful workplace where diversity is critical to innovation and growth. § Ensure every action and decision is aligned with PRMI values. § Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI. § Realize team synergies through networking and partnerships across PRMI. § Embrace change; act as advocate and role model, promoting an approach of continuous improvement. § Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions. § Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations. § Work effectively as a team contributor on all assignments. § Perform quality work within deadlines. § Respect client and employee privacy. Work Requirements Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $11.7 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information. A Loan Coordinator (LC) role is responsible for shepherding loans and the delivery of credit through the end-to-end lending lifecycle. The Loan Coordinator serves as a liaison among team members involved in the end-to-end lending lifecycle. Loan Coordinators will primarily be responsible for internal operations with several external client-facing responsibilities, as well. Loan Coordinators collaborate with the LO, and function as the first line of defense for customer questions, servicing requests, and documentation needs. The value drivers for this role are as follows: Creates operational efficiency by supporting the end-to-end processes of the loan lifecycle Fuels organizational synergy through collaboration with the result of meeting the customer's needs We offer generous benefits including: a 6% 401K match plus an additional defined contribution retirement plan, medical, dental, HSA, paid annual holiday and sick leave, FSA, life insurance, and a bonus incentive program. Farm Credit East provides all team members with the training and resources needed to be successful in their careers. Technical training, soft skill training, and ongoing professional development provided by Farm Credit East will help you be poised for continued career growth within our organization. We use state of the art technology for customer relations (Salesforce), internal communication (Microsoft TEAMS) and delivery of services. Come join a collaborative, customer-focused team at Farm Credit East! Duties and Responsibilities: Loan Support Performs day-to-day activities to assist lending staff with supporting new and existing customers across the entire lending life cycle Credit Related Tasks: Executes tasks related to document collection, including customer financials Interacts with Credit and serves as the liaison to team members during the loan approval process Initiates Preliminary Credit Packages in the system for Modifications/Renewals/etc. Orders and obtains third party reports, including appraisals, title, etc. Operates as the liaison for Doc Prep/Legal/Closing/Funding/Booking Serves as a point of contact for customer requests including the movement of money, loan disbursements, wires, ACHs, and customer payments Is responsible for accounts receivable management related to pre-paid closing fees, or professional services of the Association Operations Related Tasks: Serves as a point of contact on internal request forms, with responsibilities ranging in multiple stages of completion (initiation to finalize) based on the business issue Provides quality assurance of shared documentation Prepares Document Checklists Executes loan administration tasks Confirms loan documentation has been received and filed Requests and/or generates any reports for tracking/monitoring of the Team's portfolio Customer Centricity Troubleshoots client questions/issues Services client requests with money movement of Payments, Wires, and Draws, including engagement of other Association roles to ensure compliance with policy Identifies potential opportunities and forwards those referrals onto the appropriate team member e.g., a tax opportunity for financial services Job Qualifications and Requirements: This position requires a Bachelor's degree in Agriculture, Agri-Business, Economics, Finance, Business or a related field We offer hybrid work options after two weeks of employment with Farm Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers, the team, and individual work performance. This will be reviewed based on manager discretion. Compensation and Benefits: Salary range: $50,000- $65,000 commensurate with experience Short Term Incentive to reward business results Retirement Contributions: 401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary Defined Contribution retirement plan funded at 2-9% of salary depending on years of service Time Off: 15-25 days of vacation leave per year, depending on years of service 12 days of holiday leave per year 7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year Paid Parental Leave: Up to 80 hours of paid leave for birthing, non-birthing, and adoptive parents Family Care Leave: Additional leave options available under SMLA and company policy Health and Insurance: Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being Health Savings Account Life insurance at 2x base pay Accidental Death and Dismemberment insurance at 2x base pay Long-term disability insurance at 2/3 base pay Additional Benefits: Tuition reimbursement Continuing education and training Employee Assistance Program offering a wide variety of tools and resources Benefits Eligibility: Eligibility Begins: First of the month following your hire date Eligible Employees: Full-time employees working 30+ hours per week; Part-Time employees working 20+ hours per week. Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act (“ADA”), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East, please call ************** or e-mail ************************************

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist I for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform routine data entry and validation tasks. - Initiate third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Review and validate loan documents. - Handle routine calls, emails, and/or chat responses. - Monitor work queues and intervene as needed. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Skills and Job-Specific Competencies: - Proficiency in Microsoft Office. Travel Requirements: No travel will be required, unless at the client's discretion. 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 provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise Job Ref: 141857 ### Place of Work On-site ### Requisition ID 141857 ### Application Email ****************************

Bar Harbor Bankshares, an independent community banking organization that encourages and supports the personal and professional development of its employees, dedicates itself to consistent service of the highest level for all customers, and recognizes its responsibility to be an active participant in, and advocate for, community growth and prosperity. If you would like to be part of this great mission, please read on. Bar Harbor Bank & Trust is seeking a Workout Officer. The level of this position is dependent on experience. The ideal candidate will possess a background in commercial credit as well as 3-5 years of workout experience. * Manage foreclosures and collateral liquidation processes. Ensure prompt resolution of legal matters so that workout and other loss mitigation activities can proceed. Obtain MI approval as required for foreclosure bidding, short sales or deed in lieu of foreclosure. Work closely with investors, insurers, real estate agents, title companies, attorneys, auctioneers and other third parties to facilitate closure of approved transactions. Check the Freddie Mac REO Manager Servicing Tool to monitor the status of Freddie Mac's REO properties. Update 1099-A and 1099-C report as needed to end-of-year tax reporting. * Communicate with Bankruptcy attorneys as needed for appropriate, timely follow-up regarding status of bankruptcy situations. Make note of all contact made with Bankruptcy attorneys by updating the system's collection messages with any new information. Provide information to bankruptcy attorneys as required. Maintain expertise in the area of bankruptcy. Keep informed of developments and trends in the industry. * Assist with various servicing activities for seriously delinquent accounts, including placing properties on force-placed insurance, processing mortgage insurance claims, ordering appraisals, ordering credit reports and making sure properties are secure, maintained as required and winterized, if necessary, until sold. * Identify and evaluate residential loans for possible impairment. Order and review appraisals as required. Complete quarterly review of these loans for changes and report to management. * Timely collection calls to customers according to timeline specified in the Managed Assets Department's written procedures and secondary market guidelines. * Accurate update of the collection notes made for all customer contact (or attempt to contact) in the JHA system's collection messages. * Provide charge off recommendations when consumer accounts each 120 days of delinquency * Process right of setoff when applicable. * Coordinate with Branch Managers, various departments and other personnel as needed to facilitate customer collections. * Assist customers with delinquency resolution, including payment disputes, alternative payment arrangements, escrow arrangements and consumer loan extension agreements, including the monitoring of and follow-up with customers to ensure adherence to agreed upon payment plan. * Ensure continuation of a professional image for good customer relations during the collection process. Ensure all telephone calls to borrowers are handled with respect and courtesy and in compliance with the Managed Assets Department's written procedures * Proactively manages commercial workouts. * Meets with clients on a regular basis, monitors financial performance, and identifies solutions to mitigate loss exposure. Anticipates the need for shifts in workout plans as situations progress. * Maintains dollar collection levels in compliance with Bank standards to maximize commercial collection efforts. Ensures that collection efforts are in compliance with applicable bank policy/procedures and federal and state laws and regulations. * Maintains professional communication skills in managing and engaging with customers, outside professionals, and Bank personnel at all levels. * Responsible for OREO management to include (but not limited to): representing the Bank at foreclosure auctions, collaborating with department management to establish price and listing agreements with appropriate real estate brokers, ensuring property is adequately secured, performing periodic site inspections, and working with department management to solidify sale. * Enthusiastically support the Bank's Guiding Principles and Brand Behaviors. * Adhere to federal regulatory requirements, such as the Anti-Money Laundering and Bank Secrecy Acts, and all established policies and procedures. Required Education & Experience: * Minimum of a high school degree or the equivalent * Commercial Lending or Commercial Workout experience required Bar Harbor Bank & Trust offers a competitive salary, medical/dental/vision/life insurance, paid holidays, 401(k) plan, paid vacation and sick time, incentives, wellness program, and continuing education benefits. 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 - ********************************************************************************************

Are you ready to build a bright future in Maine's banking industry? Take your career to the next level with an organization that prioritizes your professional growth and development. As Consumer Loan Officer I, you are committed to delivering exceptional member service that aligns with Atlantic FCU's core values, philosophy, and mission statement. The goal is to provide personalized assistance to both existing and potential members, addressing their product and service needs. Take pride in proactively identifying member needs, offering suitable solutions, and exceeding branch sales goals. Member satisfaction is our priority, and we are dedicated to surpassing your expectations. If you have a passion for delivering amazing customer service, then Atlantic Federal Credit Union has an opportunity for you. We help our members do better every day and we are ready to add to our team. Daily Activities: Originating new consumer loans. Identifying member needs and cross selling appropriate products and services. Coordinate with external partners to efficiently execute loans. Do you have a passion for helping people, understand the power of a smile, and have a work ethic that just won't quit? If yes, then apply today. Atlantic FCU is proud to be an Equal Opportunity Employer Requirements Our ideal candidate will have a minimum of one year of similar or related experience, with a background in lending or financial institutions. They'll have attention to detail, excellent written and verbal communication skills, and excel in a fast-paced environment. Proficiency with computers, and the ability to learn new platforms, will be necessary. This position is primarily based in South Portland but looking for a willingness to assist members at branch locations when needed.

Job DescriptionDescription: TITLE: Loan Originator REPORTS TO: Retail Branch Manager FLSA CLASS: Exempt BASIC FUNCTION: The Loan Originator (LO) is responsible for originating their own sales by contacting prospective clients and by developing and maintaining referral sources. The LO spends significant time out of the office conducting sales calls, meeting with borrowers and attending closings. The LO has flexibility in setting their working hours as well as scheduling the tasks performed in a work day. The LO is compensated on a commission only basis. ESSENTIAL DUTIES: Principal duty is the origination of mortgage loans, i.e. sales. Ongoing, in-person contact with referral sources, to ensure continuous leads and relationships with individuals such as borrowers and realtors. Conducts sales calls, attends realtor sales meeting, open houses, functions and trainings. Takes thorough and complete loan applications; analyzes and prequalifies applicant information to determine viability of the client's desired loan program. Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements Corrects inaccuracies and determines correct loan options for the borrower based upon the applicant's present situation, future plans and preferred loan product. Provides guidance and information relevant to the risks and benefits of each program the applicant is qualified for. Effectively explains and communicates the terms of each product and ensures all documents necessary are signed by the borrower. Gathers all initial documentation required based upon the applicant's selected loan program including disclosure requirements. Provides loan package to the loan processor for review, stacking and pre-submission audit. Works with the loan processor to provide any letters of explanation, or additional documentation as necessary and required by underwriting to clear all conditions and close each loan. Maintains a working file for the office as required for compliance. Acts as a liaison for all parties to the transaction, i.e. buyer, seller, realtor, builder, title company, appraiser, credit vendors, etc. Requirements: KNOWLEDGE, SKILLS AND ABILITIES: Thorough understanding of mortgage products, pricing and guidelines. Up to date understanding of all regulatory compliance and participate in various required trainings HarborOne Mortgage provides. Ability to take accurate and thorough loan applications Possess a working knowledge of credit reports, DTI, LTV, and CLTV ratios Have excellent communication and interpersonal skills Attention to detail and outstanding customer service is critical to success Ability to create, implement and adapt a market penetration strategy for lead development, prospect to client conversion, and client to close conversion. Ability to self-source business through sales activities including cold calling, appointment setting, and group presentations. Ability to create marketing systems to source new business as well as keep in touch with existing clients, realtors, builders, etc. Experience with Outlook, Microsoft Office and other similar software preferred. EDUCATION: A minimum 1 year of Mortgage Origination experience is required PHYSICAL DEMANDS: While performing the responsibilities of this position, the employee is required to effectively communicate verbally. The employee must be able to effectively operate a keyboard. The employee is occasionally required to reach with arms and hands and occasionally lift and/or move up to 10-15 pounds. Vision abilities is required by this job include close vision. The requirements outlined above are representative, but not all-inclusive, of the knowledge, skill and ability of this position. Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions

WHAT IS THE OPPORTUNITY? This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. WHAT WILL YOU DO? * Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategy * Calls on clients or their designated representative's and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans * Provide sound and ethical loan counseling to all potential applicants. * Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service * Complete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices. * Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements * Develop and/or implement sourcing strategies as required by written goals. * Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand * Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends. * Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations * Attend regularly scheduled sales meetings, training sessions and Bank functions. * Perform other duties as requested or assigned by management, such as special projects within the Residential Lending Division * Foster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes. * Commitment to work of nonprofit organizations and making a positive impact in the community * Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * H.S. Diploma * Minimum 5 years of retail residential mortgage sales experience * Minimum 3 years of mortgage or financial experience as part of a community lending team * Minimum of 5 years of experience with diverse and underserved clients * Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. *Additional Qualifications* * Highly prefer network of professional and nonprofit referral sources * Highly prefer a BA/BS degree with preference for business, finance, or economics degree * Demonstrated superior sales and marketing ability * Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bank * Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite * Knowledge of mortgage credit policies and current industry compliance standards * Must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS. * Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities *WHAT'S IN IT FOR YOU?* *Compensation*This is a commission-based role and does not have a set salary range. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $11.54 - $15.50 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Personal & Commercial Banking **Job Description:** The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. Pay Range- $11.54 per hour depending on established local minimum wage plus commission. **Depth & Scope:** + Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources + Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs + Guides Customers through the mortgage application process + Explains information required and other aspects of the loan process to Customers + Ensures applications are completed accurately and contain required information and supporting documentation + Manages Customers expectations regarding processing times and closing dates + Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines + Generates referrals for mortgage sales opportunities and sales of other Company business line products + Develops plan to achieve sales goals with assistance from sales management + Enters information into mortgage loan system so that loans will appear accurately in the pipeline + Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes + Sends application and other required information to underwriting area + Underwrites loans using point-of-sale underwriting systems within scope of authority + Communicates loan decisions directly to Customers and explains any additional information needed + Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing + Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned + Attends closings as needed + Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations + Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products + Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops + Recommends changes to products, programs and/or pricing + Ensures TD Bank maintains successful audits and exams within all areas + Deals with complex mortgage needs **Education & Experience:** + Bachelors degree or progressive work experience in addition to experience below + 2+ Years of mortgage origination experience + Proven Sales ability + Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines + Maintains the highest level of sales ability and negotiation skills + Self-directed, ability to plan own activities to achieve sales goals + Strong time management skills + Excellent communication skills, both verbal and written + PC skills, including ability to learn mortgage origination and automated underwriting systems **OCC Language:** + This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007 + Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36 + Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007 + Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

- Responsibilities/Duties/Functions/Tasks The main function of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts. Originates their own sales by contacting prospective clients, Develops and maintains referral sources, Spends at least one or two hours a day, two or more times a week outside of the office (including a home office), originating loans, Meets with prospective clients at locations other than PRMI's offices, e.g., client's home or other locations, Meets with clients in person to sell mortgage loan products/packages, Contact with clients by telephone, mail, and e-mail is adjunct to in-person contacts, Obtains credit information and necessary documentation for application process, In-person calls outside of the office on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads, Engages in marketing and promotional activities in support of their own sales, Develops new and continued business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc. Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions Carries out major assignments affecting business operations of the employer or the employer's customers through: collecting and analyzing information regarding the customer's income, assets, investments, or debts analyzing applicant data, credit and collateral property value determining which financial products best meet the customer's needs and financial circumstances providing advice to the customer regarding the advantages and disadvantages of available financial products marketing, servicing, or promoting the employer's financial products Completes necessary continuing education in a timely manner and remains current on local developments and trends within the real estate and mortgage industries Provides origination services in the state of licensure Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings Qualifications A minimum of two (2) years of sales experience in the mortgage industry Familiarity with mortgage processes, procedures, rules, regulations, and compliance Exceptional customer service skills with a strong attention to detail Excellent written and verbal communication skills Strong computer skills to include a working knowledge of MS Office Ability to comprehend and analyze financial information Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management Established contact and referral list within the real estate and mortgage industries preferred Ability to pass a required background check Company Conformance Statement In the performance of assigned tasks and duties all employees are expected to conform to the following: Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines. Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities. Contribute to establishing a respectful workplace where diversity is critical to innovation and growth. Ensure every action and decision is aligned with PRMI values. Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI. Realize team synergies through networking and partnerships across PRMI. Embrace change; act as advocate and role model, promoting an approach of continuous improvement. Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions. Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations. Work effectively as a team contributor on all assignments. Perform quality work within deadlines. Respect client and employee privacy. Maintain eligibility for FLSA classification as Outside Sales Exempt, and complete the quarterly certification process Work Requirements Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. To maintain and ensure secure privacy of borrower (and other protected) information, an essential function of this job may require physical attendance in a defined office space. (i.e. branch or corporate office location). Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Home Loan Specialist II for one of its mortgage clients to perform daily loan reviews to ensure the accuracy of loan findings. You will act as a key contributor to facilitate efficient and effective processes that support business and customer service objectives. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Essential Duties: - Perform complex data and document validation. - Troubleshoot third-party orders (title, appraisal, hazard, flood cert, credit, etc.). - Handle more complex calls, emails, or chat sessions. - Complete appraisal eligibility tasks. - Evaluate loan applications for compliance with product guidelines. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Associate's degree or equivalent work experience. - Proficiency in Microsoft Office. - Financial Services and, if possible, mortgage industry experience preferred. - General understanding of applicable Federal, State, and Local Regulations. Travel Requirements: No travel will be required, unless at the client's discretion. 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 provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $20-24. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141859 ### Place of Work On-site ### Requisition ID 141859 ### Application Email ****************************