Mortgage Originator

Mortgage Originator

Reports to: Assistant Vice President of Mortgage Services

Salary: Six-Month Ramp-Up Compensation Package follow by a Commission Based Structure ($15,000 sign on bonus)

Why Join Us?

At Trustco Bank, we’re committed to fostering a supportive and inclusive workplace where our employees can grow their careers. We believe that our people are our greatest asset and consider our employees as family. We value each team member’s contribution and offer a supportive, collaborative work environment. Join Trustco Bank as a Mortgage Originator and make a meaningful impact by helping individuals and families realize their homeownership dreams. We offer a collaborative environment where your expertise is valued and your career can flourish.

Interested in making a difference? Apply today and become a vital part of Trustco Bank’s dedicated team!

We believe that investing in our employees means investing in the future of our company. As a valued team member, you will be eligible for a generous compensation and benefits package that includes: medical, dental and vision insurance, a health savings account with an annual employer contribution, a 401(k)-retirement plan with generous employer match, paid time off plus 11 paid federal holidays, training and professional development programs, tuition reimbursement, reduced fees and rates on certain loan products, and much more!

About the Mortgage Originator Role

Unlock Your Earning Potential with the Area’s Lowest Mortgage Rates

As a Mortgage Originator with Trustco Bank, you become the face of one of the region’s strongest and most respected portfolio lenders. With consistently some of the lowest mortgage rates in the area and a long history of exceptional service, Trustco gives you a unique competitive edge to grow your business, expand your network, and build lifelong client relationships.

Highlights

• Portfolio lender advantages: Faster decisions + greater flexibility

• Some of the lowest mortgage rates in the area — a major selling point

• Strong brand reputation with decades of stability and trust

• Supportive internal mortgage team for seamless processing

• Relationship-driven culture where your growth is a priority

Key Responsibilities

• Business Development & Networking

Build a powerful referral network through targeted marketing, prospecting, and consistent community presence. Develop strong partnerships with real estate agents, builders, and local professionals to generate high-quality mortgage leads and elevate Trustco’s presence as the go-to lender.

• Community Engagement

Act as a brand ambassador at community events promoting homeownership and financial literacy. Your involvement strengthens Trustco’s legacy as a community-focused lender committed to helping families achieve their financial goals.

• Client Consultation & Loan Analysis

Meet and engage borrowers, assess financial and credit profiles, and understand their homeownership goals. As a portfolio lender, Trustco gives you flexibility, faster decisions, and the ability to offer clients tailored mortgage solutions that set you apart from competitors.

• Product Promotion & Client Education

Highlight Trustco’s full suite of mortgage programs, emphasizing our low interest rates, transparent terms, and unmatched client support. Provide easy-to-understand guidance so clients feel confident and informed at every step.

• Loan Processing & Documentation

Gather and organize all required documentation with accuracy and attention to detail. Collaborate with our in-house Mortgage Department to ensure fast, smooth processing and an exceptional client experience from application to closing.

This job description is not exhaustive; duties and responsibilities may change at any time with or without notice.

Qualifications

Required

• High School Diploma or equivalent; previous sales experience in residential lending preferred. A bachelor’s degree in business or related field is a plus.
• Exceptional verbal and written communication skills; highly organized with the ability to manage multiple priorities and meet deadlines.
• Working knowledge of Microsoft Office Suite, especially Excel and Word.
• Must be eligible and registered in the Nationwide Mortgage Licensing System & Registry (NMLS) in compliance with the SAFE Act.
• Fluent in English; bilingual a plus
• Access to reliable transportation

Schedule

Full-time position. Monday – Friday, 8:30 AM – 5:00 PM. Flexibility for evening and weekend work as needed.

Travel: Occasional travel within the community and surrounding areas to meet clients and attend networking events.

Equal Employment Opportunity Statement:

Trustco Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status. This includes, but is not limited to, the following:

• Hiring, placement, upgrading, transfer, demotion or promotion

• Recruitment, advertising or solicitation for employment

• Treatment during employment

• Rates of pay or other forms of compensation

• Selection for training, including apprenticeship

• Layoff or termination

It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.