Lending Officer

Description

About Us:

Hanover Bank– When you love your work and the people you work with, careers are made!

Embracing diversity, valuing inclusion and showing respect are the foundation upon which we build our team. At Hanover Bank, inclusion means respecting personal beliefs and appreciating that we all have perspectives that matter. We are stronger together as we move toward a shared vision of personal and corporate growth.

Whether you are just starting out or a seasoned professional, working for Hanover Bank can launch you on a path to success. With a passion for excellence, we strive to deliver exceptional service to our clients, foster a positive impact in the communities in which we work and live and help our team members achieve their professional goals. 

When you work with us you are empowered, engaged and encouraged to collaborate because every voice matters, every person counts!

Job Summary: 

Hanover Bank is looking for a full-time Lending Officer to join our team. The Lending Officer is primarily responsible for retaining and developing new and existing 1 -4 family loan relationships with the brokerage sector. The   individual is directly responsible for managing all third-party loan referrals. This individual will function as a liaison between the mortgage   broker and operations staff ensuring excellent levels of customer service, a   seamless process, and acceptable response times. Provide quality feedback on   the loan process, concerns, product needs, and general feedback from our   broker base.

 Job Duties & Responsibilities: 

• Responsible for maintaining excellent response times and customer service levels with our network of broker contacts.
• Possess a strong knowledge of all loan products, policies and procedures, and underwriting requirements.
• Monitor customer loyalty and disloyalty performance levels to include ensuring timely and proactive communication; regular broker contact and site visits to explain current and new loan products; calls to brokers; and provide remediation process support as needed.
• Understand the residential loan process for processing, underwriting, closing, and funding of all 1 to 4 family      residential loans.
• Develop and maintain a high degree of visibility and credibility for Hanover in the marketplace
• Actively communicate new products and promote existing products with brokerage base
• Create special marketing campaigns promoting our product menu in conjunction with the Director of Sales
• Perform other job-related duties as assigned 

 Education and Experience:

• Wholesale lending, 3 years (Required)
• Knowledge and understanding of all State and      Federal regulations applicable to residential mortgage lending including      but not limited to Regulation B (ECOA), C (HMDA), G (S.A.F.E) Act, X (RESPA) and Z
• Use of interpersonal and communication skills to interact with the public and represent the Bank at community development functions.
• Ability to develop and maintain client relationships, market trends and developments in the Bank’s market area.
• Availability to customarily and regularly engage away from the Bank's facilities in making sales calls, obtaining      applications, and meeting with potential borrowers.
• Proficient in sales and service skills; including prospecting, networking and relationship management
• Strong financial acumen and goal-oriented skills
• This position is subject to the Dodd Frank Truth in Lending Act qualification requirements for Loan Originators and requires successful National Mortgage Licensing System and Registry (NMLS) registration under the S.A.F.E. Act

 Skills and Abilities: :  

•  Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
•  Speaking – Talking to others to convey information effectively.
• Reading Comprehension – Understanding written sentences and paragraphs in work-related documents.
• Time Management – Managing one’s own time and the time of others.
• Service Orientation – Actively looking for ways to help people.
• Negotiation - Bringing others together and trying to reconcile differences.

Our Benefits:

Health & Wellness Benefits

· Medical, Dental, and Vision insurance (with HSA, FSA, and Commuter Benefits options)

· Company-paid Life Insurance and Accidental Death & Dismemberment (AD&D)

· Company-paid Long-Term Disability Insurance

Voluntary Benefits

· Additional Life and AD&D Insurance for employee, spouse, and dependents

· Voluntary Short-Term Disability Insurance

· Pet Insurance

· Legal Services Plan

· Accident Insurance

· Hospital Indemnity Insurance

· Cancer Care Insurance

Retirement

· 401(k) Plan with Company Match

Time Off & Recognition

· Paid Personal Time Off (PTO)

· Paid Company Holidays

· Annual Performance Bonuses

· Annual Salary Increases

Employee Engagement

· Company-sponsored Events

· Employee Contests and Recognition Programs

Salary:  $65,000.00

 Hanover Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.