The purpose of this forum is to provide a space for members of the Maine Association of Mortgage Professionals to post/share any employment opportunities that they would like to open to the public.

Mortgage Loan Originator

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Location:  Portland, Maine

Time type:  Full time

Apply at NBT Bank here

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 purchaseadditional 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.

Commercial Credit Analyst II

Job Description

Exempt

Reporting Relationship

Organization Chart

President & CEO

Vice President Business Development & Sales Manager

Commercial Credit Analyst II

For more information go to:  https://www.indeed.com/job/commercial-credit-analyst-ii-705ba6b5fcb623ef

Primary Purpose of Position

The Commercial Credit Analyst II is responsible for providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows.

Duties and Responsibilities

• Underwrite new commercial loan requests and render decisions in adherence with lending policy. 

• Prepare credit presentations as part of the loan decision-making process.

• Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial loans.

• Review documents for general interpretation (correspondence & memos), as well as  analytical purposes (appraisals and technical reports).

• Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.

• Identify any perceived credit weaknesses or potential credit problems and document.

• Assures conformity to regulatory guidelines and company policies, indentifies policy exceptions and recommends appropriate risk ratings.

• Responsible for coaching and mentoring loan officers and Credit Union partners around delivering credit solutions.

• As assigned provides training support to junior analysts and trainees.

• Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations.

• Consistently emphasizes the importance of teamwork in the department and company at large.

• Responsible for keeping abreast of company news and information.

• Responsible for completing required training and policy review.

• May serve on various committees.

• Willingness to take on additional tasks and duties as needed.

Knowledge and Skills

• High school or General Education Diploma required.

• Bachelor’s degree in Accounting, Finance, or related field is preferred.

• Three to five years of similar or related experience is preferred.

• Experience in a professional, service focused and fast-paced environment.

• Strong analytical, verbal and written communication skills.

• Work involves contact with other business partners inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.

• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

• Ability to perform multiple tasks and remain calm and positive in a busy and challenging environment.

• The ability to perform analysis of commercial loan requests and summarize multiple facts and details and the ability to draw and support sound conclusions.

• Thorough understanding of global cash flow and underwriting criteria.

• Proficient in Microsoft Office Products is required.

Physical Requirements

• Use of standard office equipment (telephone, copier, fax, personal computer and so on) is required on a daily basis.

• Work requires the use of a video display terminal (VDT) and application of manual.

• Dexterity and eye-hand coordination (basic keyboarding). 

• Occasional lifting and moving of moderately heavy objects.

• May be seated for extended periods of time.

All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.

This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to follow any other job-related instructions and to perform other job-related duties requested by their supervisor.

Requirements are representative of minimum levels of knowledge, skills and/or abilities. To perform this job successfully, the incumbent will possess the abilities or aptitudes to perform each duty proficiently.

This document does not create an employment contract, implied or otherwise, other than an “at-will” employment relationship.

Apply here.