Mortgage Specialist
Farm Credit Council, Phelps, NY, United States
Position Summary
Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $11.7 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information.
The
Mortgage Specialist
is a customer-focused role serving in a sales capacity to represent the Association with both existing and prospective borrowers. Mortgage Specialists deliver a personalized experience for Farm Credit East customers and employ a proactive versus reactive approach to exceed the borrower's expectations. Mortgage Specialists prioritize and align their approach to customer service based on customer segmentation in lieu of a one-size-fits-all approach.
The value drivers for this role are as follows:
Promotes portfolio growth with new and existing customers through value-add interactions and high visibility in the community
Cements customer relationships with a consultative lending approach driving sustainability for both the customer and the Association
Come join a collaborative, customer-focused team at Farm Credit East!
Duties and Responsibilities Customer Centric
Manages the day-to-day customer interactions and loan requests within the designated marketplace and region.
Proactive portfolio management by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach
Positions a team approach serving as the lead for all customer facing activities with support from Mortgage Assistant and CLP Loan Coordinator
Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience
Work collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach
Provides functional guidance to Mortgage Assistants, Underwriting, Collateral Analysts, CLP Loan Coordinators and other roles to ensure customer's requirements are met while conforming to credit policy and requirements
Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower
Business Development
Achieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the Association
Seeks and vets both traditional and non-traditional opportunities, ranging from rural home and agricultural requests.
Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding.
Promotes the FCE and Country Living brand in their region
Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals
Utilizes the 360-degree view of the customer to drive cross-selling opportunities – identify, collaborate, generate, or act upon, internal referrals to or from financial services
Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor
Embraces the transformation of the Association through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience
Job Qualifications and Requirements
This position requires an associate or bachelor's degree in business, finance, economics, marketing, agriculture, communications, or related field.
This position is primarily conducted out of a physical Farm Credit East office location in order to effectively serve local customers. Farm Credit East requires new employees to work at their assigned office location for the first 2 weeks of their employment. After 2 weeks of acceptable performance, the employee is eligible for a hybrid working structure of 4 days in-office and 1 day working from home each week.
Compensation and Benefits
Salary Range: $55,000 - $80,000 commensurate with experience
Short Term Incentive to reward business results
Retirement Contributions
401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary
Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
Time Off
15-25 days of vacation leave per year, depending on years of service
12 days of holiday leave per year
7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year
Health and Insurance
Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being
Health Savings Account
Life insurance at 2x base pay
Accidental Death and Dismemberment insurance at 2x base pay
Long-term disability insurance at 2/3 base pay
Additional Benefits
Tuition reimbursement
Continuing education and training
Employee Assistance Program offering a wide variety of tools and resources
Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act ("ADA"), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East, please call 1-800-562-2235 or e-mail FarmCreditCareers@farmcrediteast.com.
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The
Mortgage Specialist
is a customer-focused role serving in a sales capacity to represent the Association with both existing and prospective borrowers. Mortgage Specialists deliver a personalized experience for Farm Credit East customers and employ a proactive versus reactive approach to exceed the borrower's expectations. Mortgage Specialists prioritize and align their approach to customer service based on customer segmentation in lieu of a one-size-fits-all approach.
The value drivers for this role are as follows:
Promotes portfolio growth with new and existing customers through value-add interactions and high visibility in the community
Cements customer relationships with a consultative lending approach driving sustainability for both the customer and the Association
Come join a collaborative, customer-focused team at Farm Credit East!
Duties and Responsibilities Customer Centric
Manages the day-to-day customer interactions and loan requests within the designated marketplace and region.
Proactive portfolio management by understanding and analyzing industry trends, market data, and customer knowledge leading to a consultative lending approach
Positions a team approach serving as the lead for all customer facing activities with support from Mortgage Assistant and CLP Loan Coordinator
Creates and maintains a documented 360-degree view of the customer, in the core application, to maximize the customer experience
Work collaboratively with teammates to generate cross-selling results and a best-in-class customer experience through a cohesive and holistic approach
Provides functional guidance to Mortgage Assistants, Underwriting, Collateral Analysts, CLP Loan Coordinators and other roles to ensure customer's requirements are met while conforming to credit policy and requirements
Meets with existing and prospective customers to review financials, propose loan structure, evaluate pricing options and address short-term and long-term objectives of the borrower
Business Development
Achieve growth targets by performing business development activities that expand existing customer relationships and bring new customers to the Association
Seeks and vets both traditional and non-traditional opportunities, ranging from rural home and agricultural requests.
Prioritizes high value add interactions with customers day in and day out through active relationships and sound customer understanding.
Promotes the FCE and Country Living brand in their region
Builds and nurtures Centers of Influence (community presence, network, and external partners) to generate new referrals
Utilizes the 360-degree view of the customer to drive cross-selling opportunities – identify, collaborate, generate, or act upon, internal referrals to or from financial services
Develops expertise and working knowledge within Ag segments, serving as a Trusted Advisor
Embraces the transformation of the Association through adoption and utilization of new processes, procedures, and digital tools with the intent to deliver a high-level customer experience
Job Qualifications and Requirements
This position requires an associate or bachelor's degree in business, finance, economics, marketing, agriculture, communications, or related field.
This position is primarily conducted out of a physical Farm Credit East office location in order to effectively serve local customers. Farm Credit East requires new employees to work at their assigned office location for the first 2 weeks of their employment. After 2 weeks of acceptable performance, the employee is eligible for a hybrid working structure of 4 days in-office and 1 day working from home each week.
Compensation and Benefits
Salary Range: $55,000 - $80,000 commensurate with experience
Short Term Incentive to reward business results
Retirement Contributions
401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary
Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
Time Off
15-25 days of vacation leave per year, depending on years of service
12 days of holiday leave per year
7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year
Health and Insurance
Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being
Health Savings Account
Life insurance at 2x base pay
Accidental Death and Dismemberment insurance at 2x base pay
Long-term disability insurance at 2/3 base pay
Additional Benefits
Tuition reimbursement
Continuing education and training
Employee Assistance Program offering a wide variety of tools and resources
Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer, we do not discriminate on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, marital status, parental status, political affiliation, disability status, protected veteran status, genetic information or any other status protected by federal, state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individual's qualifications for a specific job opening. In compliance with the Americans with Disabilities Act ("ADA"), if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East, please call 1-800-562-2235 or e-mail FarmCreditCareers@farmcrediteast.com.
#J-18808-Ljbffr