Loan Assistant

FCB Banks; Collinsville (IL); On-site; USD 28,000 - 39,000; Full time

Benefits offered by this job

Competitive pay

Health insurance

401(k) with company match

Paid time off

Job summary

FCB Banks is seeking an experienced Loan Assistant to support loan officers and service banking customers across our Illinois locations. You will assist with loan processing, document preparation, and customer service in a fast-paced environment.

We offer a competitive compensation package, comprehensive benefits, and opportunities for professional growth within a locally owned community bank.

Qualifications

• High School Diploma or equivalent.
• Associate’s or Bachelor’s Degree in relevant field (preferred).
• 2 – 5 years of customer service experience (preferred).
• 1 – 3 years of financial services industry experience (preferred).

Responsibilities

• Explains loan options, rates, terms and collateral requirements to customers.
• Orders credit reports, prepares loan documents and analyzes debt-to-income ratio.
• Coordinates and conducts loan closings.
• Reviews loan documents with customers.
• Obtains customer's signature on loan documents.
• Initiates disbursement of loan proceeds.
• Services loans in portfolio.
• Monitors and follows up on loan maturities and renewals.
• Keeps informed of changing rules and regulations pertaining to mortgages.

Skills

Communication

Microsoft Office

Customer service

Problem solving

Education

High School Diploma

Associate/Bachelor degree (preferred)

Tools

Microsoft Office

Job description

grow your career while making a difference in your community

Join our team and be part of something meaningful — a legacy of service, growth, and community connection that makes a difference every day.
Explore Career Opportunities

• People First: We treat our employees like family — with respect, trust, and support for work-life balance.
• Community-Driven: We’re deeply rooted in our local communities and empower employees to give back through volunteer opportunities and local partnerships.
• Inclusive & Collaborative: We value diverse perspectives and foster an environment where every voice can contribute to innovation and customer success.
• Growth Mindset: We invest in learning and continuous improvement, so every team member can build their best career.

Benefits and Perks

• Competitive Compensation: Fair pay with regular reviews and performance-based incentives.
• Health & Wellness: Comprehensive medical, dental, and vision coverage.
• Financial Security: 401(k) with company match, employee banking benefits, and financial wellness resources.
• Work-Life Balance: Paid time off and personal time.

Career path options

early careers

We offer a variety of entry‑level roles and structured development programs across key business areas that are designed are designed to help students, graduates, and early professionals build a strong foundation for a successful career in banking and financial services.

We value the expertise and leadership that experienced professionals contribute to our organization. Whether you are an industry veteran or seeking to transition your skills into financial services, our diverse business areas provide opportunities to make a meaningful impact, drive innovation, and help shape the future of banking.

FCB Banks has been family owned and managed for more than three generations. Our original banks opened in New Baden and Albers in 1901 and customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990 and we began expanding throughout the area. We streamlined and simplified banking operations and officially changed our name to FCB Banks in 2017. Today we have seventeen locations in sixteen wonderful towns serving customers in Illinois and Missouri. We pride ourselves on being locally owned and operated as well as a valued part of the community. Since 1901 our goal at FCB Banks has always been to provide exceptional service to our valued customers.

JOB SUMMARY:

Assists Loan Officers with making and servicing all varieties of Lending Products provided by FCB. Provides service to customers and prospective customers. Works in a support capacity to Loan Officers.

ESSENTIAL JOB DUTIES:

• Explains loan options, rates, terms and collateral requirements to customers.
• Orders credit reports, prepares loan documents and analyzes debt-to-income ratio.
• Coordinates and conducts loan closings.
• Reviews loan documents with customers.
• Obtains customer's signature on loan documents.
• Initiates disbursement of loan proceeds.
• Services loans in portfolio.
• Monitors and follows up on loan maturities and renewals.
• Works with internal and external auditors to ensure compliance with FCB’s policies and procedures and federal and state regulations.
• Keeps informed of changing rules and regulations pertaining to private and government insured mortgages.
• Closes consumer loans.
• Completes loan maintenance.
• Assists with bank customer service.
• Handles loan customer service for all locations.
• Assists all loan officers as needed.
• Prepares certain Board reports.
• Pulls past-due reports for loan officers.
• Other duties as assigned by management.

TECHNICAL SKILLS NEEDED:

• Strong and professional communication skills: oral, written, listening and presentation
• Strong technology skills, along with expert knowledge of Microsoft Office (Word, Excel) and traditional office products (copiers, fax machines, ten‑keys, phones, etc.)
• Customer Service – acknowledges, greets and responds quickly to customer needs; remains professional when dealing with challenging situations
• Problem Solving – identifies and resolves problems timely
• Teamwork – contributes to building a positive team spirit
• Quick learner, detail-oriented and effective at managing and prioritizing multiple tasks.
• Initiative/self‑motivation
• Working knowledge of bank operations, policies and procedures, and products and services, real estate lending function and federal and state lending regulations

QUALIFICATIONS:

• High School Diploma or equivalent
• Associate’s or Bachelor’s Degree in relevant field (preferred)
• 2 – 5 years of customer service experience (preferred)
• 1 – 3 years of financial services industry experience (preferred)
• 1 – 3 years lending or loan assistant experience (preferred)

WORKING CONDITIONS:

• Constantly uses standard office equipment such as computers, phones, photocopiers, filing cabinets, calculators and fax machines.
• Availability to work during bank operating hours (i.e. 8:00 am - 5:30 pm). Requires occasional Saturdays 8:00 am - 12:30 pm.
• Occasionally requires local travel including offsite trainings, meetings and temporary assignment to alternate locations.
• While performing the duties of this job, the employee is regularly required to talk, hear and see. The employee frequently is required to stand, walk, use hands to handle or feel, and reach with hands and arms. The employee regularly is required to lift up to 15 lbs. and occasionally required to lift up to 25 lbs.
• Ability to multi-task, work in a fast‑paced, changing environment and maintain a commitment to accuracy and timeliness.
• Ability to follow policies, procedures and written instructions, as well as verbal instructions or directions from their supervisor.
• Ability to maintain confidentiality.

BENEFITS:

• $20.00 - $28.50 per hour, eligible for performance-based bonuses and incentives
• Group Life Insurance 1x annual salary, 100% paid by the bank
• Long‑Term Disability insurance, 25% paid by the bank
• Voluntary Life Insurance and Accidental Death and Dismemberment Insurance
• Flexible Spending Account (FSA) and Dependent Care Flexible Spending Account (DCFSA)
• Employee Assistance Program, Travel Assistance and Life Services Tool Kit
• Paid time off including Vacation, Personal and Sick leave
• Partially paid Parental Leave for eligible employees
• 401(k) with company match for eligible employees

DISCLAIMER:

The employee must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities.

FCB Banks retains the right to change or assign other duties to this position.

Equal access to programs, services and employment opportunities is available to all persons without regard to age, ancestry, citizenship, status, color, physical or mental disability, genetic information, marital status, military status, national origin, race, religion, sex (including pregnancy), sexual orientation, or any other basis protected by federal, state, and/or local law.

In accordance with the Americans with Disabilities Act and/or applicable state and local laws, applicants requiring reasonable accommodations for the application and/or interview process should notify the FCB Human Resources Department. Examples of reasonable accommodations include making a change to the application process; providing written materials in an alternate format such as braille, large print, or audio recording; using a sign language interpreter; using specialized equipment; or modifying testing conditions.

Applicants have rights under Federal Employment Laws

Equal Employment Opportunity Poster https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf

Equal Employment Opportunity Supplement https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf

Family and Medical Leave Act (FMLA) https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/fmlan.pdf

Employee Polygraph Protection Act https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf

Learn more about us

Equal Employment Opportunity & Federal Contractor Notice

FCB Banks is an Equal Opportunity Employer and federal contractor. FCB does not make unlawful employment decisions on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, protected veteran status, or any other status protected by applicable federal, state, or local law. As required by applicable law, FCB Banks takes affirmative action to employ and advance in employment qualified individuals with disabilities and protected veterans under Section 503 of the Rehabilitation Act and the Vietnam Era Veterans’ Readjustment Assistance Act (VEVRAA). FCB Banks will not discharge or otherwise discriminate against employees or applicants for inquiring about, discussing, or disclosing their own pay or the pay of another employee or applicant. Reasonable accommodations are available for qualified individuals with disabilities and disabled veterans throughout the application and hiring process; applicants requiring assistance may contact HR at 618-346-9000 or [e-mail] .