Mortgage Loan Officer II

Position :

Mortgage Loan Officer II

Location : St. Louis, MO

Job Id : 3793

# of Openings :

The compensation will be commission-based and based on individual sales / production volume . Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e., bonus, incentives, and / or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements.

Responsible for producing a high volume of good quality consumer and real estate loans. Also responsible for ordering credit reports, analyzing data, approving or denying credit requests and collection of delinquent loans.

Responsibilities include, but are not limited to :

• Interviews loan applicants explaining loan options, rates, terms and collateral requirements; gather the required information to provide a complete application to the appropriate loan processor.
• Conducts loan closings. Ensures all documents are appropriately signed and all underwriting conditions are met. When necessary, takes all steps necessary to perfect the Bank's lien position.
• Disburse funds on construction and home improvements loans in accordance with Bank guidelines.
• Manages and supervises individual loan portfolios. Develops and maintains existing customer base and build customer satisfaction and confidence in the Bank.
• Maintains the asset quality of lending portfolio. Reviews delinquency reports, performs routine follow up with past due customers and coordinates collection efforts with other loan officers. When necessary, repossesses and liquidates collateral and works with Bank's attorney when court action is required.
• Analyzes and makes decisions regarding the Bank's credit check program and collects any delinquent accounts.
• Reviews daily overdrafts, determine whether to return or pay checks and produces follow-up letter on accounts overdrawn over ten (10) days.
• Assists other loan officers with underwriting questions or program information.
• Orders title work for real estate loans, reviews same and takes care of any curative matters that may arise.
• Proactively identify, develop and maintain a quality network of business relationships with Realtors, Attorneys and other professional contacts that serve as a source of referrals for new mortgage lending opportunities.
• Cross-sell bank products and services in a professional manner.
• Completed required training associated with job function.
• Performs other related duties as assigned

Qualifications

Education / Experience :

Skills :

First Mid Bancshares, Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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