FUNCTION: Working under the directives and goals set forth by the Regional Mortgage Development Manager, each MLO is responsible for the production of mortgage originations within assigned geography. Assists in ensuring that the Bank complies with local, state and federal regulations. ACCOUNTABILITIES: New Residential Mortgage Originations: + Meets assigned mortgage origination sales quotas. + Develops, maintains and leverages referral source network for mortgage sales that includes, but is not limited to, realtors, builders, financial advisors, CPAs, lawyers and community leaders. + Participates in outside sales calls which include business development calls to real estate agents, contractors, developers, COI contacts, settlement agents (attorney firms), participation in CEU classes, participation in R/E agency staff meetings, attending closings and attendance at R/E monthly Board Meetings. It is anticipated that the direct and indirect sales activities will account for more than 50% of the MLO’s work time. + Business sales calls generally require research, proposal preparation; follow up calls to confirm data, face to face meetings with clients to describe products, obtain financial data, and complete applications, problem resolution, construction contract review, meetings with representatives from OnTarget (inspection service for construction projects) file documentation to support underwriting conditions and ongoing communications with customers. + With the Regional Mortgage Development Manager, executes sales and marketing campaigns to increase deal flow and establish Bangor Savings Bank as “The Preferred Lender” within the assigned market. The focus of business calling efforts is to grow the BSB Brand by developing new mortgage sales leads and sales, referral sources, direct customer contact and enhancing BSB’s level of mortgage sales service to business customers and business partners. + Ensures timely delivery of pre-qualification and residential mortgage applications. + Maintains/increases working knowledge of products. + Serves as the Residential Mortgage Loan Officer for Branch network with assigned territory. + Services referrals from internal business partners to maximize the customer experience + Coordinates activities with Branch partners as appropriate. + Identifies prospects / customers for cross sales opportunities and refer to business partners accordingly. + Maintains strong and effective working relationships with internal Loan Operations and Retail personnel. + Attends closings outside of Bank for purchase mortgages and other types as needed. Administration / Other: + Maintains a current working knowledge of secondary market requirements, Maine and other applicable State Housing Authorities/VA/FHA, USDA guidelines and other applicable program procedures and regulations. + Conducts business in absolute conformance with local, state, and federal regulations and procedures. Compliance and Control: + Assists in ensuring that the Bank complies with local, state and federal regulations General: + Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork. + Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook. + Performs additional duties as requested Knowledge/Skills/Experience Requirements: + High school diploma or equivalent required. College, Business or Banking professional training helpful. + Two or more years of mortgage origination and credit related experience required. + Excellent customer service skills required. + Active and valid Nationwide Multistate Licensing System (NMLS) number required. + Demonstrated personal computer literacy. + Ability to handle complex problems. + Self-directed, ability to plan own activities to achieve sales goals. + Strong time management skills. + Strong communications skills, oral, and written required. Physical Demands/Conditions Requirements: + Frequent travel in designated market area with own vehicle. + Current driver’s license required. + General office environment. + Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required. Equipment Used: + General office equipment. External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis. At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement. We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done. At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters. Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.