Mortgage Lender

UCB Bank; Macomb (IL); On-site; USD 55,000 - 75,000; Full time

Job summary

United Community Bank is seeking a Mortgage Lender to analyze and approve consumer, real estate, and commercial loan applications. You will interview applicants, evaluate finances, and enter data into Encompass or LaserPro while ensuring compliance with bank policies.

The role requires a Bachelor's in business or finance or equivalent, 2–4 years in a loan setting, and strong attention to detail. Expect a hands-on lender position with customer interaction and cross-functional teamwork.

Qualifications

• Bachelor's degree in business, finance or equivalent experience preferred.
• 2-4 years experience in a financial institution in a loan setting preferred.
• Proficiency in Microsoft Office and familiarity with loan systems is required.
• NMLS registration or eligibility is assumed for Mortgage Lenders.

Responsibilities

• Interview applicants and request information for loan applications
• Analyze applicants’ financial status, credit and property evaluation to determine feasibility of granting loan
• Enter loan applications into LaserPro or Encompass
• Correspond with applicants or creditors to resolve questions regarding application information
• Approve loans within specified limits or refer loan to loan committee for approval
• Notify applicants of loan decision and outline loan terms to customers
• Close the loan and ensure all documents are complete and compliant
• Review regulatory changes affecting mortgage lending and maintain policy knowledge
• Develop prospects for loans by analyzing potential markets
• Assist the branch manager with duties when needed

Skills

Microsoft Office

Education

Bachelor's degree in business, finance or equivalent experience

2-4 years experience in a financial institution in a loan setting

Tools

Encompass

LaserPro

Microsoft Office

Job description

United Community Bank, is looking for a Mortgage Lender. This person examines, evaluates, and recommends approval of customer applications for consumer loans, real estate loans and commercial extensions of credit.

Essential Duties and Responsibilities:

• Interview applicants and requests specified information for loan applications
• Analyze applicants’ financial status, credit and property evaluation to determine feasibility of granting loan
• Enter loan applications into LaserPro or Encompass
• Correspond with applicants or creditors to resolve questions regarding application information
• Approve loans within specified limits or refers loan to loan committee for approval
• Ensure loan agreements are complete, accurate and in accord with financial institution policy
• Notify applicants of loan decision
• Recommend and outline terms of loans to customers
• Aid in resolving mortgage application problems
• Close the loan
• Analyze potential loan markets to develop prospects for loans
• Review developing laws and changes to compliance and regulatory issues
• Periodically review existing customers to evaluate financial needs
• Maintain familiarity with the Bank Secrecy Act Policy, OFAC Policy, Loan Policy, CIP Policy and any other positions relevant to your position
• Represent the Bank to the public and community based organizations
• Assist the branch manager with duties when needed
• Other related duties as assigned

Experience and Skills

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Computer Requirements:

• Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)
• Experience with Encompass and LaserPro is a plus

Education/Experience Requirements:

• Bachelor's degree in business, finance or equivalent experience is preferred
• 2 - 4 years experience in a financial institution in a loan setting preferred

Additional Requirements:

• Strong attention to detail
• Strong time management and organizational skills
• Ability to practice discretion and handle confidential information in a professional manner
• Ability to perform duties independently with limited direct supervision
• Problem Solving/Analysis skills
• Ability to communicate effectively with customers and coworkers
• Written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor
• Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services
• Knowledge of financial institution regulations
• Ability to multitask
• Strong professional integrity in compliance with company policy, and ethical and legal standards
• General knowledge of bank procedures and how they apply to other areas of the bank

Supervisory Responsibilities:

• Loan Assistant if applicable

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations:

• NMLS registration

Working Conditions:

This job operates in a retail banking setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to count money and key in transactions
• The employee may occasionally lift and/or move up to 25 pounds

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