Mortgage Loan Originator - Ballston Spa National Bank

Be a Better YOU at BSNB!

BSNB is seeking an experienced Mortgage Loan Underwriter to join our Retail Banking team.  This individual will play a key role in the decision making regarding mortgage lending. 

Successful candidates will typically:

• Perform all underwriting requirements for loans that will be kept in portfolio, sold on the secondary market, or put in REIT, and enter into the Encompass or applicable system.
• Review electronic loan files for appropriate disclosures and additional required documentation, insuring items needed are stated in the commitment letter.
• Work closely with Loan Originators to provide assistance in regard to product knowledge, pricing, and file requirements.       Maintain communication with Loan Originators on loan status in a timely manner.
• Prepare, monitor, and track all construction loan disbursements.
• Respond to customer and Loan Originator inquiries in a timely manner.

The ideal candidate will have a minimum of 5 years' experience in residential underwriting, experience in a paperless environment and use of Encompass preferred. Candidate must have a track record of prompt, accurate underwriting and experience with secondary market requirements. Well-developed communication skills are a must, coupled with strong financial analysis skills.  Demonstrated PC skills and strong customer service skills required.

BSNB provides a friendly and challenging work environment and a comprehensive benefits package including a competitive compensation plan, company-matching 401(k) with profit sharing, pension plan, and generous paid time off. 

BSNB is an Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, or national origin. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans.