Responsible for driving the growth of our company by originating residential mortgage (to include emphasis on the Affordable Housing products/programs) 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. Acts as the primary contact for a designated group of non-profit housing partners that manage grant programs and educational seminars for eligible home buyers; coordinates product education and training sessions as appropriate. 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 form application to closing while also collaborating with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate. Education and Experience: Associate degree in business or related discipline and two (2) years’ experience or equivalent combination of education and experience. Two (2) or years in Residential Lending experience preferred. 1 or more years’ experience working with non-profit housing partners and Federal/State grant programs preferred. Skills and Abilities: Complete understanding of Mortgage Banking loan policy, products, and procedures. Complete understanding of CRA & Banking Regulations. Working knowledge of workflow application, disclosures, closing and upload. Strong analytical and organizational skills. Strong written and oral communication skills. Excellent customer service skills. Knowledge of current compliance and regulatory guidelines with an approved NMLS number. Knowledge of Mortgage Banking underwriting application systems such as MortgageBot and Mortgage Builder. Unique Job Characteristics and Requirements: Business Travel required as needed between Bank Office and all designated non-profit housing agencies, realtors, etc., as well as various bank branches and regional business partner meetings, Conferences, Professional Organizations, and role related Training. NMLS Certification required or ability to obtain upon hire. Travel less than 50% Driver's License required Reliable transportation required Tasks Performed: 45% Establishes relationships and maintains active business development calls with all non-profit housing partners in a designated territory. Maintains an active database of the various grant program options available through these partners and trains the other Loan Originators in the designated territory on the programs. 25% Originates residential mortgage loans, to include emphasis on the Affordable Housing products, according to established policies, procedures, and regulatory guidelines, within their home base market. Explains a variety of mortgage products and associated closing costs, negotiates loan terms, and conditions, and finalizes sales. Maintains primary customer and non-profit housing partner responsibility from application thru to loan closing. 20% Assists Bank CRA Officer, Residential Mortgage Banking Manager, and Sales Manager in the development, implementation, and reporting of CRA-related loan tracking, loan programs and all CRA-related business development activities, including recommendations for additional loan programs and special financing offerings. 5% Assists with coordination and compilation of Residential Mortgage Lending for Mock CRA Exam for submission to the Executive Management Team to monitor and gage progress meeting Lending Test minimums in all state Assessment Areas, including recommendations for additional loan programs and special financing offerings. 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. Pet Insurance: For all your furry friends. Financial and Banking Services: Various banking services 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. Dental and Vision Coverage: Ensuring your overall health and well-being. Voluntary Benefits: Including hospital, accident, and critical illness coverage. 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 banking services 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. NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company. EEO is the law EEO is the Law Poster Supplement Pay Transparency Nondiscrimination Provision Family Medical Leave Act (FMLA) Poster Employee Polygraph Protection Act (EPPA) NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.

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