Retail Mortgage Lender

About the role

Make the change and be the difference. Take ownership at MCB! Established in 1960 with just one location in Morton, IL, Morton Community Bank (MCB) has grown to over 550 employees, 50 locations and over $5 billion in assets! We pride ourselves on our dedicated service to our customers and our communities, while placing much value on our internal assets, our employees. Each MCB employee OWNS a portion of the bank with our ESOP (Employee Stock Ownership Plan). The ESOP has proven to be a substantial benefit to employees upon retirement.

Pay

The pay range for this position is $26.55 USD to $35.00 USD. The estimated range is the budgeted amount for this position; final offers are based on skill set, experience, location, qualifications and other job‑related factors.

Benefits

MCB offers a comprehensive benefits package including medical, dental, vision, short‑term disability, HSA, FSA, 401(k), life and AD&D insurance, long‑term disability, vacation days, personal days, and paid holidays.

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 that are available, as well as 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
• Approve real estate and consumer loans within assigned limits and manage loan and portfolio credit quality
• Respond promptly to customer information requests or inquiries
• Review and update credit and loan files
• Review loan documents to ensure they are complete and accurate according to policy and prepare and organize loan documents for closing
• Adhere to credit policies, credit lines, procedures and standards in conjunction with senior managers
• Service existing customers and enhance relationship by cross‑selling business and personal products
• Service delinquent accounts by documenting and following Bank policies for collection
• Maintain orderly and complete financial reporting and documentation for all customers
• Develop referral relationships in order to proactively solicit business and conduct sales‑related activities to meet specific loan volume origination goals
• Participate in local community through clubs, luncheons, business organizations, etc., and develop relationships with local government and business leaders
• Maintain and update calling program in effort to attract new business opportunities

Qualifications

• Education: High school diploma or equivalent; Bachelor’s degree from a four‑year university or college, or 2–5 years of related experience and/or training, or an equivalent combination of education and experience
• Training: BSA and other Bank‑related training through BAI required annually; Overview course provided by MCB
• Experience: Knowledge of customer service principles; relevant computer skills
• Licenses & Certifications: Illinois NMLS License (Mortgage Lenders) is essential