Mortgage Lender
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OHNWARD BANCSHARES
Eldridge, IA, US
Summary
The role is responsible for soliciting new mortgage loan business and growing the loan portfolio through community and real estate relationships. Key duties include analyzing borrower credit-worthiness, managing the loan application process, and ensuring compliance with lending regulations.
Job Description
Job Details: Job Location: First Central State Bank Eldridge - Eldridge, IA, Salary Range: Undisclosed, To apply for this position, go to our website Ohnward Bancshares, Inc.
www.ohnward.com
About Us
Careers
Apply Now
POSITION SUMMARY
This position is responsible for soliciting potential borrowers for new mortgage loans. Increase mortgage loan portfolio by developing business contacts; attracting mortgage customers; and completing mortgage loan processing and closing. Examines application and supporting documentation and estimating credit-worthiness.
KEY ORGANIZATIONAL RELATIONSHIPS
Reports to Market President, Officer, SVP, or VP.
Works closely with customers and key stakeholders.
DUTIES AND RESPONSIBILITIES
Essential Duties and Responsibilities
To perform this job successfully an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Solicit new business by developing strategies. Create sales and growth for the company.
Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers. Follows leads and carries out research to obtain new clients.
Partners with other areas of the bank and bankers to cross-sell our products and services.
Interview, consult, accept, analyze credit of, and perform credit reviews of potential borrowers.
Meet with clients to present products, explain the loan process and obtain the necessary documentation.
Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing quality and customer service standards; and resolving problems.
Examines application and supporting documentation; estimating credit-worthiness; calculating repayment risk. Justify decisions (approvals/rejections) and report on them.
Completes mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing. Examines application and supporting documentation; estimating credit-worthiness; calculating repayment risk.
Guides borrowers through the application process by proactively reaching out to the prospective borrower. Explaining the different types of loans and credit terms that are available to the applicant. Answers questions about the process and assists borrowers in filling out the application if necessary.
Provides guidance to prospective borrowers who have problems qualifying for traditional loans.
Reviews submitted loan application file to analyze, interpret and evaluate financial information and loan documentation to assess borrower capacity, cash flows, character, collateral, and condition to honor his or her obligations.
Insures that approval of new loan requests comply with loan underwriting, product and program policies and procedures.
Operate in compliance with laws and regulations and adhere to lending compliance guidelines.
Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process.
Performs other duties as assigned.
SKILLS AND ABILITIES
To perform this job successfully, an individual should demonstrate the following knowledge, skills, and abilities.
Proven working experience in financial analyzing or lending.
Strong financial skills and ability to develop and interpret financial statements applied to business accounting and finance principles are required.
Familiarity with computers and banking applications/software.
Solid understanding of direct/indirect lending products and practices.
Excellent communication and interpersonal skills.
Ability to work in a goal oriented environment.
EDUCATION AND EXPERIENCE
Bachelor’s Degree in Finance, Economics or related field; 5 years lending experience and/or training; or equivalent combination of education and experience.
Related work experience should consist of a financial analyzing or lending background.
Qualifications: experience in analysis; knowledge of cash management products; knowledge of federal state laws and regulations relating consumer lending; NMLS (Nationwide Mortgage Licensing System), current driver’s license with appropriate insurance coverage.
BENEFITS:
Stakeholder Bonus
Health Insurance
Dental Insurance
Retirement Plan (401k) – 3% Safe Harbor Contribution + Discretionary Contribution
10 Observed Holidays
PTO
Group Term Life provided
Short Term Disability - 100% provided by company
Long Term Disability
Maternity/Paternity Leave – 100% of pay
Community Involvement
Pay-It-Ohnward – Company Giving Program
Grilling for Charity – Community Donations
Thank God Its Monday (TGIM) Company Event
To apply for this position, go to our website Ohnward Bancshares, Inc.
www.ohnward.com
About Us
Careers
Apply Now
Equal Opportunity Employer
Qualifications:
Ohnward Bancshares, Inc., is a billion-dollar plus bank holding company with 19 financial offices in Eastern Iowa including Maquoketa State Bank with offices in Maquoketa, Andrew and Preston; Ohnward Bank & Trust with offices in Baldwin, Cascade, Monticello, Marion, Central City and Cedar Rapids; First Central State Bank with offices in DeWitt, Long Grove, Eldridge, Le Claire, Goose Lake and Clinton. Trust services are offered through all banking offices under the Ohnward banner, which includes Ohnward Insurance Group, Central Realty, Ohnward Financial Advisor Services, Ohnward Farm Management, Ohnward Tax, Accounting & Business Services, Vosler Investment Group and Ohnward Wealth & Retirement.
Ohnward Bancshares, Inc. has total assets of $1.1 Billion, a capital of $150 Million and employs over 260 full and part time employees. Ohnward is locally owned by shareholders living primarily in Jackson, Clinton, Scott, Jones and Linn Counties. Bank management’s focus continues to be helping clients and communities grow and prosper.
Ohnward Bancshares, Inc. and its affiliate banks provide equal employment opportunities (EEO) to all applicants and employees for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, age, marital or veteran status, medical condition or handicap/disability, or any other legally protected status in accordance with applicable federal, state and local laws. Ohnward Bancshares, Inc. and its affiliate banks comply with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leave of absence, compensation and training.
Founded
1967
Company size
201-500 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
Maquoketa, IA
Ohnward Bancshares, Inc., is a billion-dollar plus bank holding company with 19 financial offices in Eastern Iowa including Maquoketa State Bank with offices in Maquoketa, Andrew and Preston; Ohnward Bank & Trust with offices in Baldwin, Cascade, Monticello, Marion, Central City and Cedar Rapids; First Central State Bank with offices in DeWitt, Long Grove, Eldridge, Le Claire, Goose Lake and Clinton. Trust services are offered through all banking offices under the Ohnward banner, which includes Ohnward Insurance Group, Central Realty, Ohnward Financial Advisor Services, Ohnward Farm Management, Ohnward Tax, Accounting & Business Services, Vosler Investment Group and Ohnward Wealth & Retirement.
Ohnward Bancshares, Inc. has total assets of $1.1 Billion, a capital of $150 Million and employs over 260 full and part time employees. Ohnward is locally owned by shareholders living primarily in Jackson, Clinton, Scott, Jones and Linn Counties. Bank management’s focus continues to be helping clients and communities grow and prosper.
Ohnward Bancshares, Inc. and its affiliate banks provide equal employment opportunities (EEO) to all applicants and employees for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, age, marital or veteran status, medical condition or handicap/disability, or any other legally protected status in accordance with applicable federal, state and local laws. Ohnward Bancshares, Inc. and its affiliate banks comply with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leave of absence, compensation and training.
Founded
1967
Company size
201-500 employees
Industry
Financial Services
Org type
Privately Held
Headquarters
Maquoketa, IA
