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RESIDENTIAL MORTGAGE LOAN ORIGINATOR


POSITION SUMMARY

Meets with potential customers to process residential mortgage applications for conventional, government, and proprietary loan programs offered by Windsor Federal Savings and Loan Association (the, “Institution”).  Promotes the Institution and its lending services to the real estate community’s attorneys, developers, and real estate brokers.  Identifies and serves the community’s financial needs through home loan counseling, real estate agent seminars and sales meetings, and by participating and promoting community activities.  Is aware of and takes advantage of opportunities to cross sell the bank’s related deposit and consumer loan products.

ESSENTIAL FUNCTIONS

  • Solicits first mortgage loans.  Informs prospective loan clients of the underwriting guidelines of the Institution and applicable government regulations.
  • Personally answers incoming phone calls and schedules appointments.
  • Interviews applicants to discuss their mortgage requirements, ascertain their capacity to repay, and assess the degree of risk involved.
  • Advises applicants of options available to them, explains the differences between various types of mortgages, and negotiates terms and conditions of the loan.
  • Completes each loan application and all pre-processing functions in a timely manner to permit the loan estimate and required disclosures to be mailed within the required three-business day period.
  • Communicates complex approvals or denials to the borrower, real estate agent, or builder.
  • Keeps up-to-date with conditions in the local real estate market and with changes in rules and regulations pertaining to both private and government-insured mortgages.
  • Makes sales calls to potential and existing customers to retain current business.
  • Maintains and submits a source-of-business log monthly to the Department Manager
  • Distributes market data, rate flyers and general loan information to the real estate community as directed by the Department Manager.
  • Promotes and participates in the Institutions special credit programs and other CRA programs.
  • Actively participates in local business and community activities to develop and maintain close contact with local builders, real estate brokers and agents, customers and prospects to encourage use of Bank services for residential mortgages. 
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS
  • Five plus years of experience as a residential mortgage loan originator and have generated residential mortgage loan originations of $20 million or higher on average. 
  • A strong understanding of state and federal laws, including but not limited to FHA/VA regulations, conventional loan requirements, HMDA, ECOA, TILA, and real estate law.
  • Proficient in analyzing personal and business tax returns.
  • Familiarity with personal computers and software used by mortgage departments. Experience originating loans in the Encompass LOS is a plus.
  • Excellent oral and written communication skills, good sales, and interpersonal skills.
  • Valid state driver’s license and reliable transportation for making outside sales calls.
  • Ability to organize time and work independently and also to cooperate as a team member. 


Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer
 

BUSINESS SYSTEMS ANALYST

POSITION SUMMARY
 

Partnering with the department/branch (business) managers, the Business Analyst serves as a liaison among business units, application providers, and IT to bring clarity to select system needs of each business unit. Specifically working with the business managers, the business analyst is responsible for collaborating and analyzing business and data processes; after fully evaluating these processes with the responsible parties, the Business Analyst will review and assist in making recommendations for potential additional systems or use of functionality, controls, greater transparency of data, and straight-through processing. The Business Analyst will work with the business managers to identify and implement system solutions with the necessary security to increase operational efficiencies. 
 

ESSENTIAL FUNCTIONS

  • Working with managers, assists with determining the user requirements for select business processes, uncovering areas for improvement and discusses those requirements and needs with the appropriate business partners when identifying system solutions. Works with the managers to ensure that documentation is properly completed and kept up to date prior to, during, and after system changes. 

  • Works with the managers in defining solutions, documenting workflow and identifying the necessary system specifications required for executing system solutions with an understanding of how the function operates and the costs involved.

  • Works closely with IT to translate any contextual differences that may interfere with the design process, addresses security requirements with IT and the business manager, reviews system related documentation from vendors and assists in the identification of hardware and access requirements.

  • In conjunction with IT and the business manager, identifies additional data-entries to be built in to the application and flow for future reports.

  • Assists in the verification when final product is accurate.

 POSITION QUALIFICATIONS

  • Collaborates with business units to coordinate blending data from multiple sources for unified reporting, and works with the appropriate business partner to identify cross-functional opportunities to either simplify, or improve, current processes.

  • Possesses the ability to build strong relationships within the business units and support functions so as to better understand and assist in assessing appropriate business needs.

  • Excellent problem-solving, analytical, user testing, and project management skills.

  • Strong communication and technical skills.

  • Prior experience in reporting and data visualization solutions, consulting or business analysis.

  • Experience with Office particularly Excel, Visio, Power BI, and Crystal Reports.

  • Experience with financial reporting solutions, Oracle Cloud ERP, Salesforce, Total Vision

  • Experience using Power BI or other BI software suites.

  • BA or Associates degree along with a minimum of five years of relevant/related banking work experience or an equivalent combination of education and work related experience.

     

Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer
 

 



 

Windsor Federal Savings is an Equal Opportunity Employer.

Windsor Federal Savings offers a competitive salary and benefits package including eligibility for group insurance, paid time off (vacation, personal, sick), a comprehensive retirement package, and tuition reimbursement.

 

Benefits

Looking for a career opportunity at a CT bank that's personally and professionally rewarding? We're looking for people who share our commitment to providing excellent customer service. And we support our employees with multiple benefits:

  • Competitive Salary
  • Group Insurance
  • Paid Time Off
  • Tuition Reimbursement