Summary: Solicits 1-4 family residential mortgage applications from home buyers, realtors, community groups, in support of community development initiatives designed to assist low- and moderate-income communities and families throughout the Bank’s assessment area in the Brooklyn and Staten Island areas.
Job Responsibilities:
CRA Mortgage Origination & Community Lending
- Represents Columbia Bank in the origination of CRA eligible mortgage loans with focus on the Brooklyn and Staten Island areas.
- Increases residential mortgage loan volume, primarily focusing on CRA, low income and moderate income communities and assisting customers in the application process through closing.
- Provides personalized service and support to community groups, counseling agencies and customers to assist in meeting the needs of the community and attaining the Bank’s CRA goals.
Homebuyer Education & Market Outreach
- Prepares and presents first time home-buyer seminars and home ownership classes to Realtors, communities, and home buying counseling agencies to further the Bank’s visibility in the mortgage markets of Staten Island and Brooklyn.
- Participates in functions pertinent to mortgage lending, real estate and community affairs.
Community Relationship Development
- Establishes, participates and develops relationships with community based charitable, and nonprofit organizations.
Cross-Selling & Product Promotion
- Assists in the Cross-selling of the Bank’s other products and services.
CRA Issue Monitoring & Management Reporting
- Advises Senior Management of emerging CRA issues to ensure objectives are maintained.
Market and Regulatory Knowledge
- Keeps informed of trends and developments in the local real estate market. Maintains an up-to-date awareness of all changes in federal and state regulations governing residential first mortgage lending.
Other Responsibilities
- Performs other job-related duties as may be assigned.
Job Requirements:
- Bachelor’s degree or equivalent experience in residential mortgage sales preferred.
- Five plus years of CRA mortgage sales experience.
- Thorough knowledge of lending regulations required.
- Must be knowledgeable of the methods and procedures for promoting and marketing of products and services.
- Established relationships with local referral networks.
- Excellent written and verbal communication skills with the ability to deal effectively with customers, attorneys, realtors and other financial institutions as well as all levels of Bank personnel.
- Excellent decision making and problem-solving abilities.
- Excellent organizational, follow-up and time management skills.
- Strong computer skills and experience utilizing laptop technology.
- Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS.
- Valid Driver’s License.
- Professional demeanor.
Columbia Bank offers the following benefits:
- Medical, Dental, Vision and Rx which are contributory.
- Bonus programs.
- Employee Stock Option Program (ESOP).
- Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).
- Paid Time Off (PTO) which includes Personal and Vacation Time.
- Paid Sick Time.
- Bank Holidays.
- Employees may participate in the 401k program.
Schedule:
- This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.
Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.
Skills Required
- Bachelor's degree or equivalent experience in residential mortgage sales
- Five plus years of CRA mortgage sales experience
- Thorough knowledge of lending regulations
- Knowledge of methods and procedures for promoting and marketing products and services
- Established relationships with local referral networks
- Excellent written and verbal communication skills for customers, attorneys, realtors and financial institutions
- Excellent decision making and problem-solving abilities
- Excellent organizational, follow-up and time management skills
- Strong computer skills and experience utilizing laptop technology
- Must meet SAFE Act requirements, complete background checks and obtain NMLS Unique Identifier
- Valid Driver's License
- Professional demeanor
What We Do
You can Count on Columbia for all your personal banking needs in New Jersey. We’re more than just a bank – we’re your personal banker for life. As the largest independent bank in New Jersey, Columbia Bank is motivated by forming long-term relationships with our customers. Our team of experienced banking professionals provides our customers and the communities of New Jersey with unprecedented service and financial security. With conveniently located full-service branches in New Jersey, we believe that’s why individuals and families across New Jersey Count on Columbia to manage their personal bank accounts. Already have a personal bank account with us? We also offer business banking services, with the same service standard and financial stability that guide our personal bank account management. Whether we are helping you achieve your financial goals or helping the communities we serve through volunteering or our Columbia Bank Foundation, we strive to make Columbia Bank a place you can count on. Better Community Banking Starts Here.
