Mortgage Lender — Build Loan Portfolios with ESOP Benefits

Morton Community Bank; Champaign (IL); On-site; USD 37,000 - 48,000; Full time

Benefits offered by this job

ESOP ownership

Medical, Dental, Vision

401k

Job summary

Morton Community Bank seeks a loan professional responsible for the development, maintenance, and growth of an individual loan portfolio. You will interview, screen, and analyze loan requests for real estate and consumer loans, approve or deny based on policy, and ensure compliance with banking regulations.

You will structure and underwrite loan requests, maintain loan accuracy, and support cross-selling of products while fostering community relationships and adherence to internal controls.

Qualifications

• High school diploma or equivalent.
• Bachelor’s degree from a four-year university or college; or 2 to 5 years related experience and/or training; or equivalent combination of education and experience.
• BAA and other Bank related training through BAI is required annually
• Overview course provided by MCB

Responsibilities

• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different loan and credit products available, and the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, corporate financial statements and other financial information.
• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Structure, underwrite and present loan requests in accordance with internal policies and procedures.
• Approving real estate and consumer loans within assigned limits and managing loan and portfolio credit quality.
• Review and update credit and loan files; respond to information requests or inquiries.
• Review loan documents to ensure they are complete and accurate and prepare/organize for closing.
• Adhere to credit policies and standards in conjunction with senior managers.
• Cross-sell business and personal products and service existing customers.

Skills

Customer service

Credit analysis

Education

High school diploma or equivalent

Bachelor’s degree

BAI training

Overview course by MCB

Job description

Morton Community Bank seeks a loan professional responsible for the development, maintenance, and growth of an individual loan portfolio. You will interview, screen, and analyze loan requests for real estate and consumer loans, approve or deny based on policy, and ensure compliance with banking regulations.

You will structure and underwrite loan requests, maintain loan accuracy, and support cross-selling of products while fostering community relationships and adherence to internal controls.