Loan Officer

First Secure Bank & Trust, Inc.; Illinois; On-site; USD 55,000 - 75,000; Full time

Job summary

First Secure Bank & Trust, Inc. is looking for a dynamic Loan Officer to join their team in Central Illinois. You will be responsible for guiding clients through the loan process, assessing financial needs, and providing lending solutions. The ideal candidate has strong mortgage lending and financial sales experience, along with excellent customer service skills. This role offers an exciting opportunity to make impactful contributions to the community. Experience in commercial, agricultural, consumer, and residential lending is preferred.

Qualifications

• Proven experience as a Loan Officer or similar role in financial services.
• Strong understanding of loan origination procedures.
• Ability to explain complex financial concepts clearly.

Responsibilities

• Guide clients through the loan process and assess their financial needs.
• Conduct thorough credit analysis and evaluate financial information.
• Manage the entire loan origination process from application to approval.
• Ensure compliance with relevant regulations during the loan process.
• Negotiate favorable terms with clients and third-party vendors.

Skills

Financial sales experience

Mortgage lending expertise

Credit analysis proficiency

Strong negotiation skills

Excellent customer service skills

Understanding of Fair Housing regulations

Knowledge of TILA requirements

Tools

Quicken

Mortgage software

Accounting software

Job description

Loan Officer

Central Illinois Community Bank

Job Summary

Central Illinois community bank is seeking a dynamic and detail-oriented Loan Officer to join our team. In this vital role, you will be responsible for guiding clients through the loan process, assessing their financial needs, and providing tailored lending solutions. Your expertise will help clients achieve their goals while ensuring compliance with industry regulations and company policies. This position offers an exciting opportunity to leverage your sales skills, financial knowledge, and customer service excellence to make a meaningful impact in the community. Experience in Commercial, Agricultural, Consumer & Residential lending preferred.

Responsibilities

• Engage with prospective clients to understand their financial goals and recommend appropriate loan products.
• Conduct thorough credit analysis and evaluate applicants’ financial information using tools such as FNMA guidelines and mortgage software.
• Manage the entire loan origination process, from application intake through underwriting, processing, and final approval.
• Ensure compliance with all relevant regulations including TILA (Truth in Lending Act) and Fair Housing laws during every stage of the loan process.
• Negotiate terms with clients, lenders, and third-party vendors to secure favorable agreements while maintaining transparency and integrity.
• Prepare detailed contracts, escrow documents, and other legal paperwork accurately and efficiently.
• Maintain excellent customer service by guiding clients through each step of the loan journey, answering questions promptly, and providing ongoing support.

Skills

• Proven experience in financial sales, mortgage lending, or loan officer roles with a strong understanding of loan origination procedures.
• Expertise in credit analysis, underwriting standards, and mortgage servicing practices aligned with FNMA (Fannie Mae) guidelines.
• Proficiency with financial software such as Quicken, accounting software, and other banking or mortgage-specific tools.
• Strong negotiation skills coupled with the ability to explain complex financial concepts clearly to clients.
• Knowledge of Fair Housing regulations, TILA requirements, escrow processes, and basic math skills including 10-key typing for data entry accuracy.
• Excellent customer service skills with a focus on building trust and long-term relationships.
• Ability to perform detailed loan processing tasks while adhering to strict compliance standards using contracts and legal documentation.