The Citizens State Bank
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Mortgage Loan Officer
role at
The Citizens State Bank
Reports to VP of Mortgage Lending
Required Education and Experience
Bachelor’s degree in business administration, accounting, finance preferred.
1+ years in mortgage experience (loan officer, processing, underwriting) or experience and knowledge of banking and banking regulations, bank policies and procedures as well as real estate specific compliance (HMDA, TRID, SAFE Act, etc.) preferred.
High school diploma or equivalent required.
Summary/Objective The mortgage officer is responsible for developing new business, underwriting, structuring and the closing of mortgages, as well as maintaining and servicing an existing portfolio.
Essential Functions
Originate investment quality mortgage loans (FHA, VA, conventional, non‑conforming) by selling mortgage lending products and services to the realtor and home builder communities.
Develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
Respond to customer inquiries and referrals.
Demonstrate knowledge and experience with all loan origination and processing steps.
Responsible for loan compliance with bank audit and regulatory entities.
Proficiency with real‑estate specific compliance (HMDA, TRID, SAFE Act, etc.)
Compliance with Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence‑beneficial ownership, identifying high‑risk accounts, reporting suspicious activities to Supervisor or BSA Department.
Register and maintain NMLS#.
Must be able to pay attention to details while performing multiple tasks simultaneously for periods of 2 hours or longer.
Must be able to demonstrate strong computer skills including MS applications, loan software, etc.
Must show up to work regularly without excessive absences.
Must have fluency in English for effective job performance. Must be able to speak clearly, distinctly and be understood by co‑workers and customers. Bilingual is a plus but not necessary.
Handwriting must be legible and in standard bank‑specified format for clear reading by scanners and software.
Numbers must be recorded on forms in correct and accurate order and entered into computer systems in correct and accurate order.
Writing skills must include the ability to spell correctly and use proper grammar and punctuation. This includes both e گ mail and formal lettersostra.
Must be able to learn procedures within a bank‑specified timeline and follow them accurately consistent according to bank standards.
Must be able to learn new duties and procedures and implement them into work habits within bank‑specified timelines.
Must be able to see in order to view a computer screen.
Must be able to hear and understand verbal requests.
Must be able to read accurately and retain information that was read and apply it.
Must be able to lift and carry 20 pounds.
Must be able to stand or sit for long periods (4 hours or more).
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to sit, stand; walk; use hands to fingers, handle or feel; and reach with hands and arms.
Other duties as assigned.
Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or कंट that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Competencies
Communication Proficiency.
Thoroughness.
Personal Effectiveness / Credibility.
Financial Management.
Problem Solving.
Technical Capacity.
Stress Management / Composure.
Ethical Conduct.
Supervisory Responsibility This position has no supervisory responsibilities.
Work Environment This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Position Type / Expected Hours of Work Full‑time position
Classification Non‑exempt
Travel Limited travel from bank location to another bank location as well as miscellaneous residential loan travel required from time to time.
Seniority level
Entry level
Employment type
Full‑time
Job function
Finance and Sales
Industries
Banking
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Mortgage Loan Officer
role at
The Citizens State Bank
Reports to VP of Mortgage Lending
Required Education and Experience
Bachelor’s degree in business administration, accounting, finance preferred.
1+ years in mortgage experience (loan officer, processing, underwriting) or experience and knowledge of banking and banking regulations, bank policies and procedures as well as real estate specific compliance (HMDA, TRID, SAFE Act, etc.) preferred.
High school diploma or equivalent required.
Summary/Objective The mortgage officer is responsible for developing new business, underwriting, structuring and the closing of mortgages, as well as maintaining and servicing an existing portfolio.
Essential Functions
Originate investment quality mortgage loans (FHA, VA, conventional, non‑conforming) by selling mortgage lending products and services to the realtor and home builder communities.
Develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
Respond to customer inquiries and referrals.
Demonstrate knowledge and experience with all loan origination and processing steps.
Responsible for loan compliance with bank audit and regulatory entities.
Proficiency with real‑estate specific compliance (HMDA, TRID, SAFE Act, etc.)
Compliance with Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence‑beneficial ownership, identifying high‑risk accounts, reporting suspicious activities to Supervisor or BSA Department.
Register and maintain NMLS#.
Must be able to pay attention to details while performing multiple tasks simultaneously for periods of 2 hours or longer.
Must be able to demonstrate strong computer skills including MS applications, loan software, etc.
Must show up to work regularly without excessive absences.
Must have fluency in English for effective job performance. Must be able to speak clearly, distinctly and be understood by co‑workers and customers. Bilingual is a plus but not necessary.
Handwriting must be legible and in standard bank‑specified format for clear reading by scanners and software.
Numbers must be recorded on forms in correct and accurate order and entered into computer systems in correct and accurate order.
Writing skills must include the ability to spell correctly and use proper grammar and punctuation. This includes both e گ mail and formal lettersostra.
Must be able to learn procedures within a bank‑specified timeline and follow them accurately consistent according to bank standards.
Must be able to learn new duties and procedures and implement them into work habits within bank‑specified timelines.
Must be able to see in order to view a computer screen.
Must be able to hear and understand verbal requests.
Must be able to read accurately and retain information that was read and apply it.
Must be able to lift and carry 20 pounds.
Must be able to stand or sit for long periods (4 hours or more).
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to sit, stand; walk; use hands to fingers, handle or feel; and reach with hands and arms.
Other duties as assigned.
Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or कंट that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Competencies
Communication Proficiency.
Thoroughness.
Personal Effectiveness / Credibility.
Financial Management.
Problem Solving.
Technical Capacity.
Stress Management / Composure.
Ethical Conduct.
Supervisory Responsibility This position has no supervisory responsibilities.
Work Environment This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Position Type / Expected Hours of Work Full‑time position
Classification Non‑exempt
Travel Limited travel from bank location to another bank location as well as miscellaneous residential loan travel required from time to time.
Seniority level
Entry level
Employment type
Full‑time
Job function
Finance and Sales
Industries
Banking
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