Mortgage Loan Originator II

Who are we?
For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.
From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.
At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.
Who are you?
You are an experienced Mortgage Loan Originator with a passion for community impact. You have a strong understanding of the Community Reinvestment Act (CRA) and a drive to make a positive difference through home lending. At C&N, we’re looking for a dedicated professional like you to join our team, helping individuals and families achieve their dreams of homeownership while fostering community growth. As a Mortgage Loan Originator II, you will play a key role in our commitment to providing personalized, accessible mortgage solutions, especially to low- to moderate-income communities. If you are ready to be part of a highly motivated team that values both customer service and community engagement, C&N is a great place to grow your career!
You will be responsible for:

1. Proactively engaging with prospective clients to originate residential mortgage loans, with some focus on loans that align with CRA guidelines, targeting low- to moderate-income communities.
2. Establishing and maintaining strong relationships with realtors, builders, community partners, and other referral sources to generate a consistent pipeline of loan opportunities.
3. Providing expert guidance to clients throughout the mortgage process, from application through closing, ensuring a smooth and personalized experience. Deliver clear communication about loan products, terms, and conditions
4. Efficiently managing a pipeline of loans, tracking each loan’s progress and ensuring all documentation is completed accurately and on time. Coordinate with internal departments such as underwriting, processing, and closing.
5. Participating in community outreach programs and events to promote financial literacy and homeownership, particularly in underrepresented communities.

Requirements:
Education & Experience – 4-6 years of previous related mortgage lending experience and/or training OR an equivalent combination of education and experience.
Preferred – CRA-related lending experience and bilingual proficiency in Spanish and English.
Required Certifications – NMLS (within 1 year of employment).
Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Proven experience as a Mortgage Loan Originator with a strong knowledge of current mortgage products, regulations, and underwriting requirements.
• Demonstrated ability to build relationships with customers, realtors, and community organizations.
• Exceptional communication skills and a proactive approach to problem-solving.
• Capable of critical thinking and assessing complex situations.
• Highly attentive to detail with strong organizational abilities.

Why C&N?
C&N is a team – people working together for a common goal – the success of our customers.
You will achieve & grow along with C&N customers,
You will develop & learn along with your teammates,
You will contribute & be rewarded along with our shareholders,
And you will share & celebrate along with our communities.
The C&N workplace culture has been a repeat recipient of the NBRI Circle of Excellence award, acknowledging a strong culture created by our team for living our values every day. At C&N, we pride ourselves on fostering a collaborative and supporting work environment where every team member is valued.
In combination with a competitive salary, C&N also has a robust total rewards offering, including:

• Paid Time Off (vacation, personal, and sick, family sick, and community service)
• 401(k) – pretax and ROTH eligible contributions with a safe harbor match
• Employee Stock Ownership Plan
• Health, Dental, and Vision Coverage (including options that are 100% employer-paid for employee-only coverage)
• Health Savings Account
• Flexible Spending Accounts – Medical and Dependent
• Employer Paid Life Insurance
• Employer Paid Disability Coverage
• Many more voluntary coverages to customize around your needs
• Education & Development Programs, including Tuition Reimbursement
• Support for Personal and Professional Development

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)