Mortgage Lender — Build & Underwrite Real Estate Loans

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

Benefits offered by this job

Life and AD&D Insurance

Long-Term Disability

Vacation Days

Personal Days

Paid Holidays

ESOP

Job summary

Morton Community Bank (MCB) in Illinois is looking for a loan officer to manage the growth of an individual loan portfolio, interviewing applicants, evaluating real estate and consumer loan requests, and ensuring compliance with policies and regulations.

The role requires strong financial analysis, credit evaluation, and relationship-building with clients. ESOP ownership, competitive benefits, and a path to growth are highlighted in the description.

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.
• BAI training annually as part of bank policy.

Responsibilities

• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain loan and credit products, terms, and services to customers.
• Obtain and review applicants’ credit histories and financial statements.
• Analyze financial status, credit, and property valuations for loan feasibility.
• Structure, underwrite and present loan requests per internal policies.
• Approve real estate and consumer loans within limits and manage portfolio quality.
• Develop referral opportunities and cross-sell banking products.
• Maintain and update loan files and documentation.

Skills

Customer service principles

Relevant computer skills

Education

Bachelor’s degree or 2–5 years related experience

Illinois NMLS License (Mortgage Lenders)

Job description

Morton Community Bank (MCB) in Illinois is looking for a loan officer to manage the growth of an individual loan portfolio, interviewing applicants, evaluating real estate and consumer loan requests, and ensuring compliance with policies and regulations.

The role requires strong financial analysis, credit evaluation, and relationship-building with clients. ESOP ownership, competitive benefits, and a path to growth are highlighted in the description.