Loan officer jobs in Utica, NY

*** This is where your organization can create a consistent intro to all of your jobs, creating consistency in voice and messaging across all job posts *** C'est ici que votre organisation peut créer une introduction cohérente à tous vos emplois, en créant une cohérence dans la voix et la messagerie dans tous les postes. About AgWest Farm Credit AgWest Farm Credit is a cooperative lender with deep roots in the rural communities we serve. We provide reliable, consistent credit and financial services to farmers, ranchers, agribusinesses, and rural homeowners across the Northwest and beyond. Our mission is to support agriculture and rural communities with dependable financial solutions tailored to their needs. Job Summary As a Loan Officer at AgWest Farm Credit, you will play a vital role in fostering relationships with agricultural producers and rural customers. You will be responsible for developing and managing a portfolio of loans, evaluating creditworthiness, structuring financial packages, and supporting the long-term success of your clients and the cooperative. Key Responsibilities Develop and maintain strong customer relationships with farmers, ranchers, and rural clients in your assigned territory. Analyze financial statements, cash flows, collateral, and credit history to assess risk and determine creditworthiness. Structure, underwrite, and present loan packages that meet client needs and comply with internal lending policies and regulatory standards. Monitor existing loans for risk, compliance, and performance; proactively identify and address potential issues. Collaborate with internal teams including credit analysts, appraisers, and crop insurance specialists to deliver holistic financial solutions. Identify new business opportunities and contribute to portfolio growth through community involvement and client outreach. Ensure accurate documentation and compliance with all AgWest and regulatory lending requirements. Maintain current knowledge of agricultural industries, regional economic trends, and market conditions. Qualifications Bachelor's degree in Agriculture, Finance, Business, Economics, or related field (Master's degree preferred). 2+ years of experience in lending, banking, or agriculture-related financial services. Strong knowledge of agricultural operations, commodity markets, and rural business dynamics. Excellent financial analysis, credit evaluation, and decision-making skills. High level of integrity, professionalism, and relationship-building ability. Proficiency in Microsoft Office and loan origination systems. Willingness to travel within the assigned region and engage with customers on-site. Preferred Attributes Experience working directly with agricultural clients or in a rural lending environment. Knowledge of cooperative lending principles and familiarity with Farm Credit System practices. Certification in credit analysis or ag lending (e.g., ABA Agricultural Lending Institute) is a plus. What We Offer Competitive compensation and performance-based incentives Comprehensive benefits package (medical, dental, vision, 401k match, paid time off) Opportunities for professional development and career advancement A mission-driven workplace with a strong sense of community and service Example corp has taken great measures to make sure that every employee is compensated fairly and therefore, pay transparency even before we receive your application is important to us. We've consulted 3 different data sources to triangulate a range commiserate with location and experience. New York pay band$80,000-$100,000 USD *** Similar to the introduction that can precede all job descriptions, an outro can also be formatted for consistency on all posts *** Semblable à l'introduction qui peut précéder toutes les descriptions de poste, une outro peut également être formatée pour la cohérence sur tous les messages

At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life's expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career. In the Role Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude Clearly educate and inform customers on optional insurance products, ensuring customers have a thorough understanding of the loans, terms and their options Requirements: High School Diploma or GED Preferred: Sales, Collections or Customer Service experience Bilingual - Spanish Location: On site The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday. Who we Are A career with OneMain offers you the potential to earn an annual salary plus incentives. You can steer your career toward leadership roles such as Branch Manager and District Manager by taking advantage of a variety of robust training programs and opportunities to advance. Other team member benefits include: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) Paid volunteer time (3 days per year, prorated based on start date) OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be -- in person, by phone and online. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Key Word Tags Sales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Inside Loan Originator is responsible for converting inbound premium leads into loans by promoting CrossCountry Mortgage's competitive mortgage products, services, and programs. This position consults with customers about their current and future needs to help achieve financing needs, collects and reviews all needed supporting loan documentation, and maintains minimum standards for production and quality. Job Responsibilities: * Establish a presence for CCM, including but not limited to, converting incoming leads. * Analyze current rates and programs to provide accurate and timely information to borrowers. * Negotiate terms and conditions with borrowers. * Participate in all steps related to the origination of a mortgage loan including but not limited to, meeting with prospects, counseling borrowers, taking mortgage applications by phone. * Manage personal pipeline to ensure service standards and financial goals are met. * Learn various borrowing programs and processes and stay current with changes and new products. * Learn and utilize various in-house technical systems and programs. * Evaluate credit requests and determine trends in a given marketplace. * Comply with all applicable federal and state compliance guidelines relative to the position. * Available to work varying hours and overtime if needed. Qualifications and Skills: * Minimum of 1 year of sales experience or origination experience in a consumer direct or call center environment. * Experience collecting and analyzing borrower income and negotiating skills. * Experience proactively soliciting new business. * Knowledge of retail product philosophy, policy, underwriting, procedures, documentation and systems. * Experience converting leads and in-bound calls, preferred. * NMLS License under the terms of the S.A.F.E. Act of 2008 ("SAFE Act") *, a plus. * State License under the terms of the SAFE Act*, a plus. * Excellent analytical skills. * Excellent communication and collaboration skills. * Proficiency in standardized software applications, including Microsoft Office Suite (i.e. Word, Excel, PowerPoint and Outlook) This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: * Commission only. The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law ("Protected Characteristics"). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

Polish & Slavic Federal Credit Union is committed to supporting our employees' overall wellbeing by providing valuable benefits. The credit union proudly offers a competitive benefits package, that includes: Medical, Vision and Dental Insurance, Retirement Plans, Life Insurance Plans, Tuition Reimbursement and Pet Insurance, among other benefits. We also have a generous Paid Time Off policy including Vacation, Personal and Sick Time, as well as, a Birthday Day off. Core Responsibilities: Obtain required financial information submitted in consideration of assigned Member Business Loan requests and underwrite the credit by performing the appropriate level of analysis using established financial and cash flow techniques and templates to evaluate the overall credit worthiness of the member. Process R/E loan applications, obtain 3rdparty reports, appraisals, environmental assessments, flood hazard certificates. Prepare credit recommendations and approve loans within approved lending limit if applicable, resulting in well documented and fundamentally sound credit decisions. Prepare loan documents and obtain all executed required legal documents and close the loan. Assist Portfolio Manager in the performance of annual credit reviews and reassessment of credit risk. Process/underwrite/approve non-R/E credit applications. Answer MBL inquiries, resolve complaints and member issues. Assist members with loan applications and documentation completion. Prepare and maintain accurate monthly Loan Application pipeline. Requirements: Minimum 3 years' experience in business credit analysis, workflow organization and processing. Comprehensive knowledge of commercial and business lending with completion of formal commercial loan analysis education on the evaluation of financial statements and tax returns, or prior work Pay: $47,478.50 - $91,492.17 per year AN EQUAL OPPORTUNITY EMPLOYER

This position is a sales position with the primary purpose to increase Commercial Lending relationships for the Credit Union, as well as manage all commercial relationships on an ongoing basis. The employee will call on and interview prospective borrowers and depositors, request and analyze financial data, package information to the underwriters, help maintain the credit files, and assist in managing the other day to day commercial relationships and the commercial loan portfolio in general. In this position, the employee should be able to perform daily tasks independently and have a good knowledge of acceptable loans and how to package them. This position will play an instrumental role in the development of product and services offerings for our business membership. The employee's collaboration in this effort will directly contribute to the growth, development, and strength of the overall business loan portfolio. Reporting: Hybrid/Remote capability Compensation: $118,636 - $154,227 annual Essential Functions & Responsibilities: Solicit new business relationships and develop existing business relationships. Call on clients to expand existing business; call on prospects seeking opportunities to expand the Credit Union's member base. Help build and cultivate relationships. Gain an understanding of these businesses, document the findings on an ongoing basis, and cross sell products and services that are in the best interest of these companies. These tasks should be completed with little supervision. Take applications for commercial loan business. Review financial information, as required for credit worthiness, and make a reasonable determination using sound judgement as to whether the process should continue. Prepare a written synopsis of the qualified loan request and gather all the required information necessary to analyze and send to the underwriters. Complete or direct completion of all loan documents and closes loans. Assist in the annual review of borrowing relationships. Assist members with any loan-related and deposit-related questions and concerns. These tasks should be completed with little supervision. Represent the Credit Union in the local communities through proactive participation in community, charitable, business and social activities to allow for maximum client and customer contact and expand the Credit Union's member base. Community involvement and engagement is integral and required in this role. Tracks, measures, and reports business development efforts, sales, and events. Responsible for production goals. Monitor existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date member files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation. Make underwriting decisions within approval authority. Interface with Marketing/Sales for the execution of advertising and promotions for Business Services. Work with branch managers to solicit businesses located in the vicinity of the branch. Performs other job related duties as assigned. Knowledge and Skills: Experience: Five years to eight years of similar or related experience. Education: 1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other skills: 1. Communication Skills - Ability to understand and follow complex written and oral instructions; ability to comprehend complex functions and procedures and to be able to relate that knowledge in a clear and understandable format to others; ability to express oneself clearly and concisely both orally and in writing. Must have excellent communication and PR skills. 2. Judgment and Analytical Skills - Procedures, job standards, and specific policies guide decisions and actions. Moderate amount of discretion available in the role, often with multiple courses of action. Decision-making occurs within pre-defined parameters and may be reviewed by a supervisor prior to action. Decisions outside of role parameters take the form of recommendations. Ability to gather, assemble, correlate, and analyze facts and develop solutions; ability to analyze statistics and financial data; ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems of unique circumstances. 3. Mental Aptitude - The role solves complex problems and delivers solutions where past precedent may not exist. Requires a significant degree of creativity and the ability to analyze data, weighing the desirability and/or profitability of possible outcomes in relationship to each other. May require formal education that provides working knowledge of discipline-specific theories or principles. 4. Organizational Skills, Time Management Skills, and Flexibility - Ability to assess needs of multiple members and prospective members and prioritize requests to ensure that all receive the highest quality service; ability to handle daily routine with moderate freedom to interpret and act upon various situations; ability to interact with more than one department daily; ability to work under pressure and adhere to tight deadlines; ability to switch between assignments quickly, ability to remain calm in tense member service situations. 5. Sales Skills - Ability to recommend, refer, and sell Credit Union products by determining member needs based on account information and conversation; ability to meet and exceed sales-quotas as assigned by the Credit Union. Must be self-motivated. 6. Mathematical Skills - Ability to add, subtract, multiply, and divide quickly and correctly; ability to use calculator, ability to count cash. Ability to analyze business financials to determine loan feasibility. Must have experience in analyzing business financial statements and assessing the financial viability of businesses. 7. Technology Skills - Proficiency with PC, Windows, Microsoft Outlook, Microsoft Word, Microsoft Excel, etc., based software. This position requires a valid driver's license and ability to operate a motor vehicle. Significant amount of time will be spent on the road. Physical Requirements: Driving to market areas to meet with prospects and exiting businesses. While performing the duties of this job, the employee is frequently required to sit or stand for extended periods of time. Equal Opportunity Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

PrimeLending, a PlainsCapital Company, is a people-first company on a mission to make the home loan process simple and stress-free. Since 1986, we've been working together as a team to support our customers, co-workers and communities and make a positive impact on all the lives of all we serve. Whether on the frontline working directly with customers in our branches or behind the scenes supporting our loan officers, our team members each play a vital role in delivering an outstanding customer experience. Award-Winning Culture Known for having an empowering, supportive culture, PrimeLending is a place where each individual has an important voice, can be themselves and thrives. Our organization exudes an infectious spirit of optimism and humanity, making PrimeLending a great workplace. * #7 2023 Energage Top Workplaces in the USA1 * # 11 2023 Energage Top Workplaces in Financial Services1 * Top 25 2023 Fortune Best Workplaces for Women2 * Top 25 2023 Fortune Best Workplaces in Financial Services2 * Top 50 2023 Fortune Best Workplaces for Millennials2 * #11 2023 Fortune Best Workplaces in Texas2 * Scotsman Guide 2024 Top Workplaces3 (Editor's Pick) * #7 2023 Dallas Morning News Top Workplaces4 Key Facts About PrimeLending * Established in 1986 * Part of Hilltop Holdings Inc. (NYSE: HTH) a diverse financial services company * #11 2023 Top Retail Volume, Scotsman Guide * #15 2023 Top Overall Volume, Scotsman Guide3 * 400+ purchase, renovation, refinance and reverse mortgage products * National lender with coverage in all 50 states * 2023 Best-in-Class Lender in 4 categories by MortgageCX5 * Branches located in 42 states * 96% customer satisfaction rating6 * 4.9 national average star rating on Google * 22,000+ five star Zillow reviews 1Energage Top Workplaces Awards 2Great Place to Work 3Scotsman Guide 4The Dallas Morning News 5MortageCX 6Survey administered and managed by an independent third party following loan closing. PrimeLending received an overall 96% Customer Satisfaction Rating for the period 1/1/23-12/31/23. PrimeLending's loan originators are the company's frontline establishing a local presence and driving growth one closed loan at a time. These dedicated mortgage professionals know how to collaborate with business partners, offer guidance, find solutions, meet deadlines, and ultimately help our customers become happy homeowners. If you're ready to join our team and unleash your unlimited potential, we're looking for doers, visionaries, entrepreneurs, and leaders who welcome the challenge. Contact us today or visit joinprimelending.com to learn more about how you can become a part of our winning formula.

Job Title: Mortgage Originator Reports to: Assistant Vice President of Mortgage Services FLSA Status: Non-Exempt Salary Grade: Commission Based Supervisory Responsibility: No The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts and attracting mortgage customers. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor. * Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. * Participate in community efforts to promote home ownership. * Follow up on internet and branch referrals on prospective customers. * Meet with prospective borrowers. * Review and analyze credit and financial data to determine borrower financing objectives and goals. * Present appropriate Bank products and programs and explain guidelines. * Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products. * Collect supporting loan documentation as required and provide complete package to the Mortgage Department. REQUIRED EDUCATION/EXPERIENCE: * High School Diploma or equivalent education or experience. * Sales experience within a residential lending environment. * Effective verbal and written communication skills. * Well organized with the ability to manage multiple tasks and work to time sensitive deadlines. * Ability to work well independently and in groups. * Working knowledge with Microsoft Office Programs; Excel and Word. * Must be eligible to be registered in the Nationwide Mortgage Licensing System & Registry for purposes of SAFE Act. PREFERRED EDUCATION/EXPERIENCE: * A bachelor's degree in a business related field. POSITION TYPE/EXPECTED HOURS: This is a full time position. Office hours Monday - Friday 8:30am - 5:00pm. Evening and weekend work may be required as job duties demand. TRAVEL: Travel using personal vehicle, occasional overnight travel. Valid driver's license required. LANGUAGE SKILLS: Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone. * Ability to communicate both in person and/or by telephone. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently exposed to outside conditions. The employee is occasionally exposed to a variety of extreme working conditions, such as construction sites. The noise level in the work environment or at certain sites can be loud. OTHER DUTIES: Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EEO Statement: We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion. * Recruitment, advertising or solicitation for employment. * Treatment during employment. * Rates of pay or other forms of compensation. * Selection for training, including apprenticeship. * Layoff or termination. It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Compensation: Through the onboarding phase, individuals with less than 5 years of experience will receive $1,000/week for 4 to 6 months plus commission. They will have an option to transition to a full commission compensation structure as early as 4 months, but no later than 6. Individuals with over 5 years of experience will receive $1,500/week for 4 months plus commission, and then will transition to a commission only compensation structure. Individuals in this role have historically earned between $80,000k - $140,000k per year, based on performance and productivity against compensation plan parameters. Position Objective: While exhibiting Humble, Hungry, and People Smart Virtues, the Home Lending Professional is responsible for generating and increasing the mortgage loan portfolio by developing business contacts within the community, specifically the real estate community. A Home Lending Professional builds viable business partnerships by exercising initiative in proactively making sales visits and calls to prospective members, realtor brokers and a host of other, applicable mortgage industry professionals. It's expected that sixty percent or more of the Home Lending Professional's time will normally be committed to engaging in external sales activities. Essential Job Functions: Proactively serves as a role model and demonstrates individual commitment to Northern's Ownership philosophy by: Exhibiting high energy, a positive attitude, creativity, and passion for member service. Maintaining an active, positive, professional image and reputation for Northern in the community while spreading the Ownership philosophy internally and externally. Engaging in the recommendation, research, development, and implementation of enhancements to further promote Northern's Culture and the Standard of Excellence for Member Service. Keeping open communication alive by inspiring owner participation on teams, listening to owner ideas, holding meetings, and publishing regular announcements. Solicit and generate residential mortgages with an entrepreneurial sense by developing and maintaining relationships through various sources. Realtors offices and open-houses Builders offices and building sites Mortgage industry professionals Past borrowers Other non-traditional sources Constantly and consistently provide realtors and builders with one-on-one or group presentations and education on: Mortgage programs Rates Guidelines Provide exceptional member service by identifying appropriate mortgage loan programs to meet borrower needs. Maintain an active relationship with mortgage borrowers through the application process, with consistent follow-up. Responsible for achieving individual sales goals through all channels. Attract new mortgage loan applications by making sales calls to prospective borrowers to build a solid book of business. Actively participate in and assist with Credit Union seminars and community events. Work with AVP of Residential Lending to maintain an open and active relationship with the Credit Union's third-party mortgage partner(s). Proactively cross-sells all Credit Union products and services to qualified members and potential members and refer to the appropriate employees as necessary. Other Job Functions: Flexible hours including evenings, Saturdays, and Sundays as necessary to meet established goals. Stays informed and up to date of local, regional, and national market to enhance the Credit Union's Mortgage programs. Product enhancements Pricing changes Delivery options Work with AVP of Residential Lending in coordinating efforts with the Marketing on implementing special product promotions in order to maximize return on investment. Promotes teamwork within the Credit Union. Actively seeks solutions to issues related to member and staff expectation. Keeps informed of changes in credit union regulations, policies, and procedures. Identify and participate in educational programs, schools and/or conferences to continually develop a greater knowledge and expertise in mortgage lending and customer service. Actively participate in other credit union duties, functions, committees, and events as may be reasonably requested. Qualifications, Skills and Experience: Associate's Degree from accredited college or university; Bachelors preferred. Minimum of two years of external mortgage origination experience with a proven track record of consistently meeting or exceeding established sales goals. NMLS License in New York and vaild Driver's License Exceptional member service skills are required: positive solutions focused approach, product and service knowledge, attention to detail, and adherence to operational policies and procedures. The incumbent must be a persuasive communicator with excellent command of verbal and written presentations. Clear communication with internal and external members through verbal and written correspondence is required along with the ability to effectively develop and motivate people in one-on-one and in small group situations is essential. A significant level of diplomacy is required with a proven ability to work under pressure and remain calm in tense situations with both internal and external customers. Proven ability and maturity to handle confidential/sensitive information in a professional manner is required. Must be a high energy person who is self-motivated and results oriented and able to work in a fast paced environment. A full working knowledge and ability to utilize a broad range of PC-based software programs, including Microsoft Office Suite and other internal database programs. Physical activities and requirements of this position: Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together. Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Average Hearing: Able to hear average or normal conversations and receive ordinary information. Repetitive Motions: Movements frequently and regularly required using the wrists, hands, and/or fingers. Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate office equipment. Physical Strength: Sedentary work; sitting most of the time (almost all office jobs). Working Conditions: No hazardous or significantly unpleasant conditions. (Such as in a typical office) Local Travel to Northern Relationship Centers. Mental activities and requirements of this position: Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions. Able to interpret a variety of technical instructions and deal with multiple variables. Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission. Markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra. Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias. Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style. Ability to conduct training, communicate at panel discussions, and make professional presentations.

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.

Job Description At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities A Commercial Banking Officer will perform a variety of duties to meet the commercial service needs of business customers and will include some lending authority. This position requires an employee able to develop new business relationships with prospective customers and maintain continuous business relationships with present customers. A valid drivers license is required. Solicit new business from present and prospective customers Maintain ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities Provide sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports Monitor individual sales performance versus objectives on a regular basis and discuss performance with appropriate supervisor on a frequent basis Serve as a member of the Bank's sales team (e.g., Branch Manager) and make group sales calls where these types of calls will improve the opportunity for new business development Maintain a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs Provide direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services Approve or reject loan applications within individual lending authority Assist customers in obtaining specialized services from other bank departments as necessary and provide help to customers with specific inquiries or service problems Maintain a working knowledge of bank operating policies and procedures which impact commercial services Prepare and maintain accurate records of all customer service calls and meetings made with present and prospective customers Provide quality service to internal and external customers Demonstrate cooperative efforts in working with other departments and within own department Jointly establish annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Lending Department's annual operating plan Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements Communicate with management and staff personnel in order to integrate goals and activities Respond to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy Maintain appropriate records and provide assigned reports. Monitor and review accounts for appropriate risk rating to avoid risk rating changes by loan review, the Office of Comptroller of Currency (OCC) and other loan review processes. Provide guidance, on-the-job training and technical assistance to Commercial Loan Officers 1(s) and 2(s) Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Perform other related duties as assigned or directed Qualifications Ideal candidate should have a minimum five (5) years experience in related positions. B.S. or B.A. Degree in a related field preferred Specialized banking education and training A valid drivers license is required. Proficient reading, writing, grammar and mathematic skills Proficient interpersonal relationship, communication and sales skills Thorough knowledge of the features and benefits of all bank commercial products and services Working knowledge of bank operating policies and procedures which impact commercial services All applicants must be 18 years of age or older.

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.LocationElmira, New York, United States of America

Mortgage Loan Originator Canandaigua National Bank What does a Mortgage Loan Originator do? Responsible for continuously soliciting, negotiating, underwriting, and coordinating the closing of residential mortgage loans in compliance with the Canandaigua Mortgage Company's lending policies and procedures; promoting business for the Canandaigua Mortgage Company by maintaining good customer relations through referrals from existing customers and marketing for new clients; assisting in attaining established corporate, region and branch goals through active participation in new and existing products and sales programs; coordinating work within the division, as well as with other divisions and departments; complying with operating policies and procedures established for the mortgage loan function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports. What is needed to be successful in this role? A bachelor's degree in business or finance related field, or equivalent combination of education and experience generally required; A minimum of two (2) years' experience in related position required; Knowledge of all lending activities and terminology; basic knowledge of commercial, construction, real estate, and consumer loan processing; A thorough knowledge of all bank regulatory requirements What are general duties? Continuously solicits, negotiates, underwrites, and coordinates the closing of residential mortgage loans in compliance with CNB Mortgage Company's lending policies and procedures as follows: Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of CNB Mortgage Company's products and services. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of CNB Mortgage Company's guidelines and industry trends. Gathers and analyzes all information necessary to present a loan request for approval; meets with existing or potential customers; negotiates loan terms and conditions; pre-approves loans through Automated Underwriting Systems. Ensures loans are processed according to agreement, customer needs and conform to CNB Mortgage Company lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her book of business. Ensures that credit inquiries are researched to determine credit worthiness and appropriate collateral positioning are achieved. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval parameters and using these instances as learning tools for employee development. What makes working at Canandaigua National Bank different? We are Investing in You. Our strong corporate culture is based upon seven Core Values: Honesty and Integrity, Responsibility, Teamwork, Respect, Innovation, Professionalism, and Commitment. Our culture nurtures passionate employees and offers great rewards including: Medical, Dental, Vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners. Paid Holidays, Vacation, and Sick time. Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP). Training & Development Opportunities. Tuition Assistance. Volunteer Opportunities. Award Winning Wellness program that promotes a solid work/life balance. Banking perks and discount programs. Our goal is to ensure that our bank, employees, and our community thrive and grow, now and for the next 125 years. We're in it for the long haul. What truly sets us apart from other financial institutions is the quality and commitment of our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers. As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups. We welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran's status, religion, disability, sexual orientation, education, and culture. As the only local, full-service, community-owned financial institution in the Rochester area, Canandaigua National Bank is Investing in You. If you want to be a part of something special, join us today! Compensation While this position is commission based, the compensation for this position is $15.00 per hour. Individuals in this role have historically earned between $100,000 - $175,000 per year, based on performance and productivity against commission plan parameters. Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.

Responsible for providing mortgage loan services to clients while performing a variety of duties to support the loan servicing function to ensure efficient and accurate servicing of mortgage loan accounts. Interviews clients, obtains applications, disclosures and required supporting documentation; Enters application data into Loan Origination System software. Analyzes credit and other financial information to make preliminary recommendations for approval or denial. Participates in calling programs with area realtors and other referral sources. Participates in seminars and workshops as well as branch staff meetings to provide mortgage production information and guidance. Maintains an awareness of competitors and their programs. Jointly establishes quantitative client service objectives with assigned supervisor on an annual basis. Follows up to ensure loans are approved or denied in a timely basis. Maintains appropriate records and provides assigned/periodic reports. Provides assistance to clients and branch personnel with specific inquires or service problems. Coordinates specific work tasks with other personnel within the department as well as with other departments in order to insure the smooth and efficient flow of information. Provides client service information in a timely basis in order for this information to be included as part of sales performance reports. Conforms to General Performance Expectations as identified for all employees. Complies with NMLS standards Qualifications/Requirements: High School Diploma or equivalent required; BS or BA in a related field of study preferred Specialized training in lending and real estate credit servicing A minimum of three years experience in related position normally required Proficient interpersonal skills in dealing with clients and all levels of management Demonstrated proficiency in Microsoft Word and Excel Ability to travel and Valid Driver's License required Salary Range $20.33 to $31.03 hourly Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. Along with a competitive compensation program please visit the benefits section of our Careers page to view available benefits. Chemung Canal Trust Company/Capital Bank/Canal fosters a diverse and inclusive culture where employees are able to succeed to their full potential. EEO/AA Including Veterans and Disabled

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 ****************************

JobID: 3018434 JobSchedule: Full time JobShift: : As a Smart Home Consultant, you will be a sales solutions expert and a brand ambassador for ADT's 6 million customers. As the key point of contact for home automation clients, you will answer inquiries, provide technical advice, and demonstrate how to use new products and services. Additionally, in this role, you will install and activate security and Smart Home products while upselling solutions that best meet the needs of ADT's residential customers. A day in the life of a Smart Home Consultant looks like this: * Build relationships between new customers and the ADT brand and product portfolio * Complete in-home consultation and assessment * Perform installation and activation of equipment - including home security camera, security hardware, and IoT and smart home devices * Complete customer onboarding and education of key products and services * You will work in a dynamic, collaborative environment, working closely with customers and coworkers * This role involves providing solutions by visiting customers at their homes or businesses Training Program: ADT offers a comprehensive paid training program for this role regardless of experience. Our team is enthusiastic about developing you into a best-in-class Smart Home Consultant. Job Requirements * High School diploma or the equivalent * Valid driver's license When you commit to ADT -we commit to you. Our employees receive a comprehensive, full benefits package that includes: * Comprehensive paid training program * Full benefits on the 1st of the month after 31 days of employment * Health = Medical & Prescription, Dental, Vision, Health Savings & Flex Spending * Future = 401(k) with employer matching * Life = Paid vacation time * Company vehicle provided * Base salary plus the potential to earn unlimited commissions and ability to earn additional pay for completing jobs and exceeding quality standards * Tuition reimbursement * Employee Referral bonuses - when you refer a friend or family members This role offers: * Hourly pay: $19.55 * Earning potential: Average of $105,000 annually with uncapped upsell commissions, job completion pay, quality bonuses, and referral incentives Training: * Additional $320 per week training bonus included during three week training process * Includes New Technician Training, Field Safety Training, and Peer-to-Peer Training * Company vehicle provided for work use Benefits: * Medical, dental, and vision coverage * 401(k) with company match * Tuition reimbursement * Short- and long-term disability, life insurance, and well-being benefits * Paid time off

Hours: 40 Schedule: This position works remotely with access to the ESL Corporate Headquarters located in Rochester, NY. Expectation to hold in-person meetings with clients in corporate office or branch locations as needed. Hours are Monday - Friday 8:00 a.m. - 5:00 p.m. Must remain flexible to meet current and future business needs. Pay: Position pay is a $30,000 draw plus a tiered basis points incentive schedule to be discussed during interview. A transition pay package will be offered for an initial period of time. Purpose of Position: Accountable for development and maintenance of relationships outside of the credit union to increase mortgage volume. This position will take mortgage applications and assist members through the mortgage process. Works in conjunction with the Mortgage Team and third party stakeholders to ensure an expedient process. Accountabilities: Cultivate and develop relationships within the real estate community to increase volume of loan application within ESL policies and procedures * Promotes ESL within the community * Attend networking events * Engage in applicable community activities * Prospecting activities * Meet or exceed identified performance objectives in all related agreements * All activities to be consistent with credit union mission and purpose Accountable for delivering a superior customer experience to both the borrowers and their realtors through proficient understanding of product offering and industry practices enabling thorough and accurate residential real estate applications * Consults with applicants on various types of financing solutions * Proficient in understanding underwriting standards and compliance guidelines * Gathers applicable file documentation and completes required origination system entries * Accurate and timely updates in order to move the loan application through process * Ongoing communication through funding with focus on critical milestone dates * Consistently meets service level agreements Ensure internal customer satisfaction objectives are achieved through meeting operational standards and maintaining productive and positive relationships Participation of team activities, initiatives and other duties as assigned. * Provide leadership and guidance in mentoring staff across Mortgage Lending and the Front-Line on the overall sales and mortgage application process where applicable. Qualifications: * Bachelor's degree or 4 additional years of equivalent experience in mortgage lending/real estate/real estate secured lending. A combination of equivalent education and experience may be considered as a Mortgage Originator, or in lieu of the previous experience; successful completion of the Mortgage Sales Development program. * Minimum 2 years mortgage origination/sales experience with demonstrated success meeting monthly goals or successful completion of Mortgage Origination/Sales Development Program plus 1 year of origination experience. * Willingness and ability to develop trusting Realtor and Centers of Influence (COI) partnerships * Excellent communication and interpersonal skills * Strong external sales and networking skills * Detailed understanding of Government Sponsored Enterprise (GSE) requirements, Federal Housing Administration (FHA) and other real estate standards. * Successfully registered as a Mortgage Loan Originator through ESL * Must complete submission of application to the NMLS within the first week of employment and subsequently be successfully registered as a Mortgage Loan Originator through ESL We're committed to diversity, equity, and inclusion. We believe we are a stronger, more successful organization because of this commitment. We strive to ensure a robust talent pool of qualified candidates with a variety of skillsets and capabilities for all our openings. We hire great people and welcome all new hires to our award-winning work environment, which has been recognized by the Great Place to Work Institute since 2010. #LI-KS1 #LI-Hybrid

General Purpose: Process loans for operating expenses, capital expenditures, real estate purchases, and refinances. Demonstrate an entrepreneurial attitude, be results driven, work independently without intense management oversight, and offer recommendations on legal matters pertinent to the loan documents and related collateral filings. Job Duties and Responsibilities: Verify borrower information presented; verify existing loan balances, if any Verify that UCC search and credit report have been requested and reviewed by loan officer Perform complete review of loan information package submitted by loan officer; obtain clarification of any missing/erroneous information; confirm all necessary approvals received If borrower is an entity, request and review all entity organizational documents and minutes appointing officers; determine authorized signatory(ies) Advise management on legal matters pertaining to loan documents and any specifics related to securing the necessary collateral Prepare customized loan documents for each loan transaction Prepare and track Subordination Agreements and/or Intercreditor Agreements, if necessary Track satisfaction of loan terms as they pertain to UCC termination requirements Verify satisfaction of insurance requirements, if any Review signed loan documents to ensure all are fully and correctly signed; verify signatures Prepare and file UCC financing statement documentation, if necessary Prepare amendments and supporting documents, revising loan terms, if necessary Review real estate title documentation, title insurance commitment, real property appraisal; confirm accuracy of real property description; determine who holds title to property; work to resolve open exceptions on title insurance commitment Prepare mortgage document, if necessary Coordinate real estate closings among title insurance company, attorney and borrower Prepare and process documentation for various stabilizer transactions The requirements herein are intended to describe the general nature and level of work performed by employee, but is not a complete list of responsibilities, duties, and skills required. Other duties may be assigned as required

We are Lennar Lennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Lennar has been recognized as a Fortune 500 company and consistently ranked among the top homebuilders in the United States. A Career that Empowers You to Build Your Future The New Home Consultant at Lennar is responsible for managing the new home purchase process from initial customer contact to closing, aiming to create a “tickled, delighted and happy” customer. This includes daily operations at Welcome Home Centers, processing sale agreements, and closing sales in line with company business plans. A career with purpose. A career built on making dreams come true. A career built on building zero defect homes, cost management, and adherence to schedules. Your Role on the Team Engage and establish relationships with visitors to understand their home buying needs, utilizing the company's selling philosophy. Self-generate sales leads through community engagement, realtor partnerships, and proactive prospecting. Develop comprehensive knowledge of the competitive market, including products, community features, and demographics. Provide consistent follow-through with customers from initial contact to post-closing, maintaining accurate communication records. Participate in sales meetings, neighborhood promotions, and marketing programs. Ensure the maintenance of Welcome Home Center models and inventory homes. Complete required training and participate in community events and phone banks. Your Toolbox High school diploma or equivalent; college degree and real estate license preferred. 1-2 years of experience in homebuilding or real estate sales preferred. Valid driver's license and reliable transportation. Strong communication, organizational, and customer service skills. Proficiency in Microsoft Office and ability to use sales tracking tools. Self-motivated with a positive attitude and strong work ethic. Physical & Office/Site Presence Requirements: Regular, in-person attendance at Company communities/job sites and offices during regular work hours is an essential function of this job. This is primarily an active position, involving office/phone work and walking in all weather conditions, and uneven surfaces, to and within homesites in the community. Must have a valid state driver's license in order to take customers throughout the neighborhood and community, visit realtor offices, and to various other meetings in the process of self-generating sales. Finger dexterity is required to operate computer keyboard and telephone equipment. Must be able to lift and carry supplies and materials up to 25 pounds. We reasonably expect the base compensation offered for this position from an annual salary of $35,000, subject to adjustment based on business-related factors such as employee qualifications, geographic pay differentials (e.g., cost of labor/living, etc.), and operational considerations. This position may be eligible for bonuses. This position may be eligible for commissions. This position will be eligible for the described benefits listed in the above section in accordance with Company Policy. #LI-TE1 #CB This information is intended to be a general overview and may be modified by the company due to factors affecting the business. General Overview of Compensation & Benefits: This position may be eligible for bonuses. This position may be eligible for commissions. This position will be eligible for the described benefits listed in the above section in accordance with Company Policy. This information is intended to be a general overview and may be modified by the Company due to factors affecting the business. Life at Lennar At Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a $1 for $1 Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to $30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone's Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar's policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn for the latest job opportunities. Lennar is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws.