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About the Role

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of residential mortgage loans, while promoting business through customer relations and marketing efforts.

Responsibilities

Continuously solicits, negotiates, underwrites, and coordinates the closing of residential mortgage loans in compliance with Canandaigua Mortgage Company’s lending policies and procedures.
Promotes business for Canandaigua Mortgage Company by maintaining good customer relations through referrals and marketing for new clients.
Assists in attaining established corporate, region and branch goals through active participation in new and existing products and sales programs.
Coordinates work within the division, as well as with other divisions and departments.
Complies with operating policies and procedures established for the mortgage loan function.
Communicates with appropriate personnel.
Responds to inquiries or requests for information.
Maintains appropriate records and provides assigned reports.
Engages in business development activities and solicitation of new business.
Actively involved in instilling and maintaining a positive sales environment through education of Canandaigua Mortgage Company’s products and services.
Interviews prospective applicants and requests specified information related to loan or credit application.
Corresponds or re-interviews applicants to resolve questions regarding application information.
Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Canandaigua Mortgage Company’s guidelines and industry trends.
Gathers and analyzes all information necessary to present a loan request for approval.
Meets with existing or potential customers.
Negotiates loan terms and conditions.
Pre-approves loans through Automated Underwriting Systems.
Ensures loans are processed according to agreement, customer needs and conform to Canandaigua Mortgage Company lending policies.
Obtains sufficient information and/or documentation from customers.
Solves problems relative to processing and servicing of loans within his or her book of business.
Ensures that credit inquiries are researched to determine credit worthiness and appropriate collateral positioning are achieved.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval parameters and using these instances as learning tools for employee development.

Requirements

A bachelor’s degree in business or finance related field, or equivalent combination of education and experience generally required.
A minimum of two (2) years’ experience in related position required.
Knowledge of all lending activities and terminology.
Basic knowledge of commercial, construction, real estate, and consumer loan processing.
A thorough knowledge of all bank regulatory requirements.

Skills

Sales
Customer Service
Loan Underwriting
Loan Processing
Financial Analysis
Regulatory Compliance

Location

Syracuse, NY

Work Type

Full-time

Experience Level

2 years

Education Level

Bachelor's degree in business or finance related field or equivalent combination of education and experience

Salary/Compensations

$16.00 per hour
$100,000 - $175,000 per year (based on performance)

Benefits

Medical, dental, vision, FSA, HSA options for both part-time and full-time employees.
Medical coverage is also offered for domestic partners.
Paid holidays, vacation, and sick time.
Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP).
Training & development opportunities.
Tuition assistance.
Community focused volunteer opportunities.
Award winning wellness program that promotes a solid work/life balance.
Banking perks and discount programs.

About the Company

Canandaigua National Bank is an independent, community bank.
Our culture nurtures passionate employees and offers great rewards.
Our goal is to ensure that our bank, employees, and our community thrive and grow.
We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers.
As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups.
We welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran’s status, religion, disability, sexual orientation, education, and culture.

Equal Opportunity

Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.