Jr Mortgage Lender

Community State Bank; Burlington (WI); Hybrid; USD 40,000 - 60,000; Full time

Job summary

Community State Bank is seeking a Junior Mortgage Lender to support the mortgage team in originating residential loans and delivering outstanding customer experiences. You will assist loan officers with borrower interviews, document collection, and eligibility analysis while collaborating with staff to keep processes smooth from application to close.

The role requires a business/finance background, strong communication, and attention to detail.

Qualifications

• Bachelor’s degree in business management, finance or related field preferred.
• Banking experience and customer service/relationship management preferred.
• Loan documentation knowledge is preferred.
• Basic knowledge of Adobe Acrobat, Microsoft Word, Excel and Outlook.

Responsibilities

• Assist mortgage department staff in providing exceptional customer experience from origination to close.
• Assist loan officers in interviewing borrowers to analyze financial data and determine financing objectives.
• Meet with customers during various stages of the loan process.
• Review residential loan applications for completeness and standards.
• Validate data and process inputs; order documents and follow up with vendors/third parties.
• Submit loans to underwriting and manage DU/LP conditions.
• Support pre-closing steps to ensure on-time closing.
• Provide proactive communication of loan status to borrowers and staff.

Skills

Real estate knowledge

Mortgage lending knowledge

Attention to detail

Dependable

Organized

Multi-tasking

Problem solving

Education

Bachelor's degree in business management, finance or related field

Tools

Adobe Acrobat

Microsoft Word

Excel

Outlook

Job description

Are you passionate about serving your community and helping your neighbors? Are you talented, creative or hard-working? All of the above? Do you want to work in a fun and rewarding environment? As a member of the CSB team, not only will you experience our supportive work culture, but you will also receive the opportunities, tools and encouragement critical for professional growth.

At Community State Bank, we are more than just a bank, we focus onbuilding strong successful partnerships based on respect and trust. Our goal is providingopportunity to our customers, employees, and the communities we serve.

The Jr. Mortgage Lender is responsible for assisting the mortgage loan officers and mortgage department staff to facilitate the origination of residential loan applications.

Essential Duties and Responsibilities:

• Assist mortgage department staff in ensuring exceptional customer experience from origination to close by providing on-going communication to customers, third parties and staff as necessary.
• Assist mortgage loan officers in conducting interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information.
• Assist mortgage loan officers in meeting with customers as necessary during various stages of the loan process.
• Assists mortgage department staff in reviewing residential loan applications to verify that application data is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Assist mortgage department staff to ensure integrity of all data and process inputs. Order necessary documents and follow-up with vendors/third parties to obtain in timely manner.
• Assist mortgage department staff to validate loans in automated underwriting systems including DU or LP and submit to Underwriting in required time frames.
• Assist mortgage department staff to submit loans to underwriting for conditional review and full approval once all DU conditions have been met and validated.
• Assist mortgage department staff with reviews of all documents retrieved against those requested, analyzes for accuracy and/or errors.
• Assist mortgage department staff to ensure on time closing by completing all required pre-closing steps.
• Assist mortgage department staff in providing proactive communication of loan status to the borrower, Loan Originator, and other involved parties
• Assists mortgage loan officers in cultivating and establishing contacts with realtors, builders and contractors to enhance market penetration
• Attends mortgage lending, real estate, and home improvement events to promote the services and products of Community State Bank.
• Promote CSB as a relationship bank with community focus by being involved in Community projects/activities
• Believes in and supports our Mission, Vision and Values
• Must adhere to all federal and state regulations and bank policies.

Qualification Requirements:

Education:

Bachelor’s degree in business management, finance or a related field preferred.

Experience:

Ideal candidate will have banking experience, related educational experience and experience in customer service/relationship management. Loan documentation knowledge is preferred. Basic knowledge of Adobe Acrobat, Microsoft Word, Excel and Outlook.

Skills:

Knowledge of real estate and mortgage lending, detail oriented, dependable and organized, with the ability to multi-task and problem solve.

Human Relations:

Excellent written and verbal communication skills required. This position will have contact with both internal and external customers, requiring strong interpersonal skills.

Responsibility and Decision-Making:

Responsible for meeting deadlines as set forth by management and mortgage department staff.

Supervision of Others:

N/A

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. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include: close vision, distance vision and ability to adjust focus. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear.

Work Environment:

Normal conditions associated with a general office environment. Potential work from home opportunity.