Description At Citizens, you’ll be able to provide leading solutions while growing your relationships, customer base and earning potential. As the Home Equity Loan Originator, you will be responsible for generating sales of home equity lines of credit through leads and applications obtained through, but not limited to outbound lead campaigns, inbound phone calls, bank website, retention of existing customers, and other internal and external direct-to-consumer campaigns. You will successfully identify, develop, and maintain a quality network through your excellent customer service skills. You will also be responsible for supporting retail Branch Colleagues on more complex transactions. Through timely and responsive customer contact, needs-based selling techniques, referring to alternative bank products when appropriate, and by adhering to regulations, you will thrive in meeting non-branch production and NPS targets to effectively manage your pipeline as a source of referrals for new mortgage lending opportunities. Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally! Primary responsibilities include + Determine the customer’s financial objectives using needs-based sales processes, review the customer’s lending needs, and originate home equity lines of credit, and/or properly refer the customer to alternative product lines as appropriate. + Coordinate and communicate with the departments such as the operations team and other lending colleagues within Citizens (Loan Processing, Underwriting, Compliance) to gather conditions information and documents needed to ensure all loan conditions are met and approve the loan in a timely and accurate manner. + Keep the customer informed and answer questions that arise within the process. Perform regular communications with customers. + Maintain a sizable pipeline of loans, keeping it UpToDate while managing customer interaction. + Follow loans through the loan life cycle; track and monitor leads in a timely fashion, and work to retain existing customers by delivery service excellence. Qualifications, Education, Certifications and/or Other Professional Credentials + BA /BS degree or equivalent experience + 4 years of sales experience in financial services + 3 years of current Mortgage and Home Equity experience + Ability to work independently and successfully in a team environment + Experience working in a call center environment + Superior organization and time management skills + Demonstrated ability to handle multiple tasks efficiently in fast environment + Effective written and verbal communication skills essential + Capable of delivering results within specified timeframe + Proficient PC skills, including MS Office experience Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M-F Some Saturdays required Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all applicants for employment and colleagues without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 01/28/2025