We are Hiring!Home Equity Lending Specialist - Lowell, MAEnterprise Bank, is a growing and successful commercial bank where your talents will be recognized. Consistently being recognized both nationally and locally as a Top Place to Work , Enterprise Bank team members are as important to us as our core values.Join our dynamic team and experience a unique workplace culture where success is shared, and diversity is celebrated. What You'll Do: ESSENTIAL FUNCTIONS & RESPONSIBILITIES:
- Interviews home equity borrowers and initially underwrites home equity loan applications. Proactively obtains and assists with the acquisition of required loan documentation in conformance with underwriting guidelines.
- Facilitates the placement of all orders including appraisals, title certifications, flood determinations and necessary disclosures including the preparation of commitment letters as directed by the Underwriter.
- Informs customers, lenders, branch staff and other team members of loan approval/adverse action.
- Attends branch and team regional sales meetings in assigned region to promote overall department sales effort, discusses home equity products and shares lead/opportunities with peer sales team members.
- Promotes a positive sales culture through exceptional quality service and participation in the Bank's Referral Incentive Programs.
- Observes experienced workers to acquire knowledge of methods, procedures, and standards required for performance of developmental duties.
- Attends company-sponsored training and web-based classes.
- Exceeds customer expectations by following the guidelines outlined in the Customer Experience Program.
- Performs an initial underwrite on all home equity line files according to Bank guidelines.
- Makes recommendations for approval, denial or counteroffer for loans reviewed to Underwriter or Management.
- Performs an in-depth financial analysis on customer files to include analysis of customer tax returns and determination of qualifying income.
- Determines how customers financial situation interfaces with Bank guidelines and makes appropriate recommendation to customer-based guidelines.
- Explains equity loan product features to borrowers and how features may impact their ability to service the debt.
- Facilitates Home Equity Lending Training for Branch Network.
- Assists with the creation of additional home equity products and conducts appropriate competitor surveys.
- Performs all duties consistent with applicable Federal and State laws and regulations as well as Bank policies.
- Performs other related duties as assigned.
This position is Hybrid, Remote, or Onsite. Candidates from MA, NH, and ME only.Requirements:
- Bachelor's Degree from a four-year college or university and
- One to two years' related experience and/or training; or equivalent combination of education and experience.
If you don't meet all the requirements, apply anyway!Our recruiting team considers your entire professional journey. Enterprise team members are made up of more than just their previous titles. Our DEIB Value Statement: At Enterprise Bank, people and relationships come first.We encourage and foster a culture of diversity, equity, inclusion, and belonging where everyone feels valued and respected. We are committed to a caring workplace that recognizes the importance of making a meaningful, positive difference in the lives of our team members, customers, and communities. Please click here to view our Inclusion website for more information and to learn more of our story and Core Values.Benefits: We encourage every team member at Enterprise to lead a healthy and balanced life. We offer generous paid time-off programs, exceptional Tuition Assistance, College Loan Repayment, Wellness programs, Employee Resource Groups, opportunities to assist in your community as well as health, dental and life insurance coverage and a generous 401(k) match.Enterprise Bank is an equal opportunity employer and makes employment without regard to race, color, religion, gender, sexual orientation, age, national origin, ancestry, genetic information, gender identity, disability, marital status, active or veteran military status, retaliation or any other protected status. EOE M/F/Disabled/Vet.Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe 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)