Retail Mortgage Lender

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 or shift range: $26.55 USD to $35.00 USD

The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Enjoy the Benefits of working at MCB!

Medical, Dental, Vision, Short-Term Disability, HSA, FSA, 401k.

Life and AD&D Insurances, Long-Term Disability, Vacation Days, Personal Days, and Paid Holidays.

Job Summary

Responsible for the development, maintenance and growth of an individual loan portfolio. Includes interviewing, screening and analyzing loan requests for real estate and consumer loans. Also responsible for approving, documenting and collecting or denying real estate and consumer loans while adhering to all bank policies, procedures and banking regulations. Solely responsible for all aspects of loans assigned to them from safety and soundness and compliance aspects.

Essential Duties & 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
• Approving real estate and consumer loans within assigned limits and managing loan and portfolio credit quality
• Responding 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
• Involvement in local community through clubs, luncheons, business organizations, etc and developing relationships with local government and business leaders of community
• Maintain and update calling program in effort to attract new business opportunities

Supervisory Requirements
Personnel Management: This position has no supervisory responsibilities Process Management:

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing and performing repetitive motions.
• Medium exertion; exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects.
• The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal.

Work Environment
The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The noise level in the work environment is usually moderate.
• Employees, who work 7 ½ continuous hours or more, must take a 30 minute uninterrupted lunch break no later than 5 hours after beginning their work day

Education and Qualifications
Essential:
• 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
• BSA and other Bank related training through BAI is required annually
• Overview course provided by MCB

Experience
Essential:
• Knowledge of customer service principles
• Relevant computer skills
Desirable:

Licenses and Certifications
Essential:
• Illinois NMLS License (Mortgage Lenders)

This job description is not an employment contract, implied or otherwise; therefore, employment relationship remains "at-will."

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.