Mortgage Lender - Mt. Sterling

Job Description

Job Description

Brown County State Bank, a United Community Bank, is looking for a Mortgage Lender. This person examines, evaluated, and recommends approval of customer applications for consumer loans, real estate loans and commercial extensions of credit.

Essential Duties and Responsibilities :

• Interview applicants and requests specified information for loan applications
• Analyze applicants' financial status, credit and property evaluation to determine feasibility of granting loan
• Enter loan applications into LaserPro or Encompass
• Correspond with applicants or creditors to resolve questions regarding application information
• Approve loans within specified limits or refers loan to loan committee for approval
• Ensure loan agreements are complete, accurate and in accord with financial institution policy
• Notify applicants of loan decision
• Recommend and outline terms of loans to customers
• Aid in resolving mortgage application problems
• Close the loan
• Analyze potential loan markets to develop prospects for loans
• Manage delinquent account files
• Review developing laws and changes to compliance and regulatory issues
• Periodically review 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
• Represent the Bank to the public and community based organizations
• Assist the branch manager with duties when needed
• Other related duties as assigned

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.

Computer Requirements :

Education / Experience Requirements :

Supervisor Responsibilities : Loan Assistant if applicable

Additional Requirements :

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.

Certificates, licenses, or registrations : NMLS registration

Working Conditions :

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

Physical requirements :

Benefits :

The following benefit programs are available to all employees :

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements :

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit https : / / ucbbanks.com / careers for more information on UCB's complete benefit package.