Mortgage Loan Officer II

Job Description: This person originates and manages the larger and, in some cases, more complex mortgage loans that meet established lending requirements and criteria, which provide maximum profitability to the bank with a minimum of risk. Qualifications: This person should have a bachelor’s degree plus a minimum of four years of progressively advanced experience in bank lending or the equivalent. Emphasis is placed on suitable communication skills as well as aptitude for detail. Principal Responsibilities: 1. Seek, identify, and solicit potential mortgage loan customers, to enhance a sales culture within the Mortgage Lending Department, while maximizing profitability and minimizing risk to the bank. 2. Interview mortgage loan applicants in order to assemble the information needed to make a credit decision as required by Loan Policies and Guidelines, industry standards, and consumer compliance regulations. 3. Determine creditworthiness of applicants by analyzing credit information and appraisals, referring to lending authority as required by Loan Policies and Guidelines and industry standards. 4. Ensure the complete collection of all mortgage loans extended by monitoring past-due reports, assisting the Mortgage Loan Servicing Department on collection efforts, using all legal means as required by Loan Policies and Guidelines. 5. Remain current on industry products and developments, ensuring the bank’s ongoing competitive advantage. 6. Provide ongoing customer service to ensure customer retention and continued cross-selling of other bank products and services. 7. Assist correspondent banks, affiliates, and other FBT banks with originating and closing mortgage loans. 8. Attend all loan meetings as deemed appropriate or directed by the Mortgage Lending Department Manager to participate in decisions that affect ongoing and future operations of the loan function. 9. Provide guidance and assistance to the other Mortgage Department Staff. 10. Act in accordance with FBT policies and procedures as set forth in the employee handbook. 11. Adhere to compliance procedures and participate in required compliance training. The anticipated hourly range for this role is $30.55 to $41.24. This range is a good faith estimate for the position and may vary based on factors such as the individual's relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive or commission opportunities based on individual performance, which can impact overall earnings. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance. Learn more at www.bankeasy.com\careers. Compensation Grade Hourly Grade 6 First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email hr@bankeasy.com. We invest in our people: Our communities have contributed to the success of our business and our families. In turn, this allows us to contribute to the success of our communities. We have remained an independent community institution over the years and employ almost 700 people. Our employees are like family (they’re also part owners). Not only is working for us rewarding, but you’ll also be a part of a positive culture and company that gives back to the community. Our Benefits: Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance. 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account. Wellness Program The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year. Education Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more. Volunteer Service Hours Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities. In-house Childcare & Preschool Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees. Our Culture: We value our culture and work hard to keep it top of mind at all times. Employees rally around 9 core principles, creating a collaborative and enjoyable work experience for all. During the onboarding process, all new employees attend a culture camp, which is led by the CEO and the Chairman of the Board. Work for us: Our employees enjoy working together and treat eachother (and customers) like family. Check out our career opportunities, and join a company that cares about its people and community.

Salary : $31 - $41