Residential Loan Officer

Associated Bank - Corp; Clayton (MO); On-site; USD 23,419 - 34,440; Full time

Benefits offered by this job

401(k) & Pension

Volunteer time off

Diversity-focused groups

Career development

Well-being programs & bonuses

Employee stock purchase plan

Military benefits

Personal banking benefits

Job summary

Associated Bank in Clayton, MO seeks a Mortgage Loan Processing/Origination professional with 1–3 years of experience. You will follow up leads, pre-qualify, accept and review applications, and help originate loans while coordinating with real estate professionals and government agencies.

Bachelor’s degree is required; strong regulatory compliance, cross-selling, and customer service skills are essential. The role offers competitive pay and benefits as part of a growth-oriented banking team.

Qualifications

• Bachelor’s degree required.
• 1–3 years residential loan processing or origination experience.
• Experience with compliant mortgage processes and government guidelines.

Responsibilities

• Follow up on leads and manage inquiries from the industry and referrals.
• Conduct regulatory compliant mortgage pre-qualification interviews and explain loan options.
• Accept and review residential mortgage loan applications for compliance and timely processing.
• Originate mortgage loan programs and coordinate with real estate professionals and government agencies.
• Cross-sell bank products to customers and refer to partners when appropriate.
• Promote loan programs in the community and maintain regular contact with realtors and attorneys.
• Prepare records and reports on loan solicitation, origination, and closing activities.
• Monitor loan pipeline and expedient processing through liaison with loan processors.

Skills

Mortgage lending

Regulatory compliance

Customer communication

Cross-selling

Education

Bachelor’s degree

Job description

Overview

At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you.

Associated Bank requires you to directly represent yourself and your own experiences during the recruiting and hiring process. Associated Bank conducts a thorough background check on all new hires.

Job Accountabilities

• Follow up on leads generated by personal effort, regular contact from within the industry, call-in/walk-in inquiries, in addition to the support enhancements from Bank advertising, and direct mail efforts.
• Conduct regulatory compliant loan pre-qualification interview. Explain and recommend the most appropriate available loan programs, based on a pre‑qualification interview. Maintain a file of loan leads that do not immediately result in a formal application. Follow up on leads regularly until they apply for a loan with the Bank, apply for a loan with another lender, or withdraw from the mortgage market.
• Accept regulatory compliant residential mortgage loan applications from customers. Review applications for compliance with Bank, industry, and agency guidelines. Notify in a timely manner those applicants who do not qualify. Begin the processing of qualified applications as quickly as possible. Monitor the processing of the loan in accordance with Bank policies and procedures.
• Active solicitation and origination of mortgage loan programs to all prospective borrowers including in low to moderate areas, and low to moderate income individuals. Serve as the liaison to local, state, and federal government agencies, as well as not for profit community development groups.
• Identify needs and cross‑sell other Bank products and services to established cross‑sale targets including checking accounts, savings accounts, home equity loans/lines, and mortgage life & disability insurance, or refer customers to business partners within and across line of business who can best meet those needs.
• Promote the Bank’s loan programs in the community through regular contact with real estate realtors, builders, attorneys, and other centers of influence.
• Prepare records and reports as requested regarding loan solicitation, origination, and closing activities.
• Monitor the expedient processing of loan applications through regular contact with loan processors and conduct regular pipeline management.

Education

Bachelor’s Degree or equivalent combination of education and experience Required.

Experience

1–3 years residential loan processing or origination with a financial institution or mortgage banking company. Required.

Diversity & Inclusion Statement

We welcome and encourage applications from all qualified parties, including but not limited to people returning to the workforce, people with disabilities, those without a college degree, and veterans or those with military experience.

Benefits

• Retirement savings including both 401(k) and Pension plans.
• Paid time off to volunteer in your community.
• Opportunities to connect with others through our diversity-focused Colleague Resource Groups.
• Competitive salaries with professional development and advancement opportunities.
• Bonus benefits including well‑being programs and incentives, parental leave, an employee stock purchase plan, military benefits and much more.
• Personal banking, loan, investment and insurance benefits.

Compliance Statement

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence, responsible to report all customer complaints as prescribed and procedure violations to management or HR.

Responsible to report ethical concerns as needed to Associated Bank’s anonymous Ethics Hotline.

If you need accommodation at any time during the process, please contact [e-mail].

E‑Verify Program

Associated Banc‑Corp participates in the E‑Verify Program. E‑Verify Notice: English or Spanish. Know Your Right to Work: English or Spanish. Associated Bank is Pay Transparency compliant.

Compensation

The pay range represents anticipated base pay for this role. Actual pay may vary based on factors including, but not limited to, work location, skills, experience, education, and qualifications for the role.

For certain positions, total compensation may also include incentive, commission, or bonus opportunities not reflected in the posted base pay range.

$17.00 – $25.85 per hour