Mortgage Lender

Brown County State Bank, a United Community Bank is in search of a mortgage lender. This position examines, evaluates, and recommends approval of customer applications for consumer loans, real estate loans and commercial extensions of credit.

Essential Duties and Responsibilities:

• Interviews applicants and requests specified information for loan applications
• Analyze applicants' financial status, credit and property evaluation to determine feasibility of granting loan
• Enters the application into LaserPro or Encompass
• Corresponds with applicants or creditors to resolve questions regarding application information
• Approves loan within specified limits or refers loan to loan committee for approval
• Ensures loan agreements are complete, accurate and in accord with financial institution policy
• Notifies applicant of loan decision
• Recommends and outlines terms of loans
• Aids in resolving mortgage application problems
• Closes the loan
• Analyzes potential loan markets to develop prospects for loans
• Manages delinquent account files
• Reviews developing law and changes to compliance and regulatory issues
• Periodically reviews existing customers to evaluate financial needs
• Maintain familiarity with the Bank Secrecy Act Policy, OFAC Policy, Loan Policy, CIP Policy and any other positions relevant to your position
• Represents BCSB to the public and community based organizations
• Assists the branch manager with duties when needed

Supervisory Responsibilities: Loan Assistant if applicable

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

• Bachelor's degree in business, finance or equivalent experience is preferred
• Two to four years of experience in a financial institution of loan setting is preferred
• Good understanding of financial institution products, services and regulations
• Strong analytical, time management and organizational skills with a high level of attention to detail
• Effective written and verbal communication skills

Computer Skills: Microsoft Office Systems required. Knowledge of Encompass and LaserPro is preferred.

Certificates, Licenses, Registrations: Registration with NMLS

Attendance Requirements: Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided. This position is typically full-time, Monday through Friday with a Saturday rotation. Shifts may vary to fit the needs of the department.

Working conditions: This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

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  Ability to sit for up to eight hours

  
  
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  Requires bending, stooping or standing as necessary

  
  
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  Requires the ability to hear, speak and/or signal people

  
  
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  Effectively communicate verbally, in writing, and in English

  
  
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  Requires manual dexterity, typing, and the ability to lift files and open filing cabinets

  
  
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  The employee may occasionally lift and/or move up to 25 pounds