Work with Third Sphere portfolio companies

Third Sphere
Third Sphere

Driver Ambassador- Electric Shuttle (New Rochelle)

Circuit (formerly Freeride)

Circuit (formerly Freeride)

Customer Service
New Rochelle, NY, USA
Posted on Friday, June 7, 2024


The Home Loan Originator (HLO) will proactively seek new residential mortgage business and will build relationships with business line partners within the organization and externally to generate referral business. The principal responsibility of the HLO is to meet with the customer to determine the product and terms that best fit their needs. He/She will generate a complete mortgage application, ensure appropriate guidelines and procedures are followed while meeting sales and quality goals and objectives. The HLO must clearly communicate documentation requirements, fees, and terms to the customer. The customer must leave the application process with a thorough understanding of the steps that will follow. He/She will communicate timely and in a friendly professional demeanor to the customers and to the support staff as well.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  • Originate Home loans including: Freddie Mac, Fannie Mae, FHA, USDA, VA, Home Equity Loans, HELOCs, and other in-house loan products.
  • Prospects new mortgage lending opportunities and recommends the best home loan product(s) based on the customers individual needs.
  • Analyze and compile information and documentation collected to accurately process loans in accordance with Bank policies and procedures as well as real estate lending rules and regulations.
  • Ensure assigned Home Loan Matrix dates for 30-day turn-time are met on all loan files.
  • Identify, develop and maintain a successful network of business relationships that serves as a recurring source of referrals for new home loan opportunities
  • Maintain availability to realtors and borrowers outside of standard banking hours.
  • Ensure exceptional customer experience by overseeing the loan process from origination to closing and providing on-going communication to customers, processors, underwriters, and other business partners.
  • Participate in business related development opportunities and community efforts to promote F&M and generate new business.
  • Demonstrates a complete understanding of products offered by F&M and cross-sell those products, including FM Investments.
  • Works with managers and marketing to develop and implement sales and marketing plans on an on-going basis designed to enhance success, and achieve goals assigned by the bank.
  • Handle customer questions and/or issues and take appropriate action to resolve them.
  • Achieve production and other goals as established by F&M.
  • Utilizes F&M training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.
  • Participate in Sales program including practicing drills and role-plays; utilize sales skills to provide outstanding customer service.
  • Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.


This job has no supervisory responsibilities.


To perform the job successfully, an individual should demonstrate the following competencies:


  • Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customer’s relationship consistent with the Bank’s Sales Culture.
  • Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism

Communication Skills:

  • Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank’s telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback.

Job Knowledge:

  • Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures.


  • The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.
  • Attention to Detail:
  • The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.


  • The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.

QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.


Associate’s degree (A. A.) in banking or finance or two years related experience and/or training; or equivalent combination of education and experience. Must have strong public relations skills. Must have computer skills in Microsoft Office and Excel.


Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from employees, customers, and the general public.


Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.


Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.


  • Valid driver’s license
  • Notary public
  • Federal NMLS


Has good writing and communication skills. Must be articulate, friendly and possess good telephone etiquette. Is neat in appearance, detail oriented and possesses the ability to work without supervision.

PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and ability to adjust focus. Ability to use computer for long periods of time and there will be heavy telephone use. This person may also be required to work at other banking centers.

WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

  • This Person will have the ability to:
  • Work Monday – Friday, generally and an occasional Saturday with a day off and / or occasional extended hours as needed to accommodate the flow of business.
  • Work on a holiday and be provided another day off throughout the year.
  • Maintain a professional appearance and manner
  • Work independently and as part of a team