On-Site Mortgage Loan Officer

Job Summary
Citizens Bank of Edmond is seeking a high-character, relationship-driven In-House Mortgage Loan Officer to serve as the primary mortgage expert for our existing customers and the Edmond community.

This is not a cold-call role! You’ll work with established bank customers, internal referral partners, and community relationships while representing a 100 -year-old, employee-owned, veteran-led community bank.

If you believe mortgage lending should be consultative, local, and relationship-based — this role is for you.

Key Responsibilities

• Serve as the primary mortgage resource for existing Citizens Bank of Edmond customers
• Partner closely with retail banking, commercial, and trust teams to convert internal mortgage referrals
• Act as the Mortgage Expert and public face of the Bank in Edmond and surrounding areas
• Originate a full range of residential mortgage products (conventional, government, VA, portfolio, etc.)
• Guide borrowers through the loan process with education, transparency, and exceptional service
• Manage loans from application through closing with proactive communication
• Participate in community events, bank initiatives, and referral-building activities
• Ensure compliance with all state and federal mortgage regulations

What Sets This Role Apart

• Established internal referral sources
• Stable bank platform with modern mortgage tools
• Employee-owned ESOP — share in the Bank’s success
• Strong benefits and long-term career opportunity
• Community presence and relationship-based growth

Customer Service Excellence:

• Foster a culture of exceptional customer service within the mortgage operations team, ensuring all customer interactions are handled with professionalism and care.
• Address and resolve customer inquiries or issues promptly to enhance customer experience.
• Collaborate with the sales team to ensure that client expectations are met throughout the loan process.

Qualifications

• Active NMLS Mortgage Loan Originator license
• 2 years of residential mortgage lending experience preferred
• Strong interpersonal and relationship-building skills
• Consultative mindset — service before transaction
• Experience with Encompass or similar LOS preferred
• Local market knowledge a plus

Equipment Operated

Calculator, fax, copier, telephone, computer printer, and a PC with the following computer software: Encompass, Optimal Blue, Jack Henry, Appraisal Shield, Adobe Acrobat, Word and Excel.

Physical Demands

While performing the duties of this job, the employee is required to communicate effectively with others, sit, stand, walk, and use hands to handle keyboard, telephone, paper, files, and other equipment and objects. The position requires the ability to create and review detailed documents and read computer screens. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job responsibilities.

(EOE)