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Community Development Mortgage Loan Officer Trainee

FCB Banks

Swansea, IL

$26 - $32/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 17 days ago

Job description

Community Development (CRA) Mortgage Loan Officer Trainee
Classification:
Non-Exempt/Hourly
Job Type:
Full-Time
Reports To:
Senior Vice President of Lending
ABOUT US:
FCB Banks has been family-owned and managed for more than three generations. Our original banks opened in New Baden and Albers in 1901, and customers quickly associated FCB with quality service, competitive rates, and personal customer care. These qualities became the pillars of our business when First Collinsville Bank opened in 1990, and we began expanding throughout the area. We streamlined and simplified banking operations and officially changed our name to FCB Banks in 2017. Today, we have seventeen locations in sixteen wonderful towns that serve customers in Illinois and Missouri. We pride ourselves on being locally owned and operated as well as a valued part of the community. Since 1901, our goal at FCB Banks has been to provide exceptional service to our valued customers.
JOB SUMMARY:
A Community Development Mortgage Loan Officer Trainee will learn the fundamentals of loan origination, assist loan officers and loan assistants, and gain experience in customer interaction, application processing, and credit analysis, ultimately preparing you for a loan officer role. Throughout the Loan Officer Trainee Program, the Trainee will be provided with a comprehensive understanding of banking procedures, policies, and practices. Once the Loan Officer Trainee Program is completed, the Community Development Mortgage Loan Officer is responsible for identifying and cultivating new lending opportunities to provide loans to achieve greater racial and economic equity. They will have two primary responsibilities: first, to develop relationships with organizations that can refer borrowers needing financing, and second, to work closely with potential borrowers to understand their needs, determine a fit with FCB Bank's offerings, and structure the terms of a possible loan.
ESSENTIAL JOB DUTIES:
  • Participates in training programs within numerous locations and bank departments to enhance knowledge and skills. This includes but is not limited to, classroom training, shadowing, working in the teller line, new accounts, and loan processing.
    • Learns about different loan products, lending processes, and industry best practices.
    • Learns and understands the fundamentals of banking operations, including customer service, account management, transactions, etc.
    • Observes experienced workers to acquire knowledge of the methods, procedures, and standards required for performing departmental duties.
    • Shadows other Loan Officers to help develop relationships, grow and maintain your loan portfolio, and provide servicing on existing loans.
  • Interviews applicants interested in obtaining loans (including real estate, consumer, and business loans).
    • Interviews customers to gather credit application information concerning desires, abilities, and earnings to determine loan needs.
    • Explains loan options, rates, terms, and collateral requirements.
    • Arranges loan decisions and notification dates.
    • Cross-sells applicable insurance and other bank-related products and services associated with the loan.
  • Underwrites loans.
    • Orders credit reports and verifies necessary data.
    • Analyzes debt-to-income ratio.
    • Evaluates and determines creditworthiness according to FCB's Loan policies.
  • Makes credit decisions within established lending limits to approve or decline loans.
    • Makes real estate loans to customers within credit authority limits.
    • Communicates credit decisions to loan applicants.
    • Negotiates credit terms and repayment schedules.
    • Initiates written notification of adverse action for all appropriate loans.
    • Keeps informed of changing rules and regulations about private and government-insured mortgages.
  • Schedules, coordinates, and conducts loan closing.
    • Reviews loan documents with customers.
    • Obtains customer's signature on loan documents.
    • Initiates disbursement of loan proceeds.
  • Services loans in a portfolio to retain a high loan quality level.
    • Reviews the progress of loans periodically.
    • Monitors and follows up on Loan maturities and renewals.
  • Monitors the delinquent reports and takes appropriate corrective action.
    • Corresponds with customers with delinquent accounts, and counsels borrowers to bring accounts current.
    • Handles follow-ups, collections, or problem loans or may personally visit delinquent customers.
  • Works with internal and external auditors to ensure compliance with FCB's policies and procedures and federal and state regulations.
  • Develops new business and expands existing relationships.
    • Participates in civic and community activities to generate visibility and contacts for the bank.
    • Cross-sells retail bank products and services.
    • Makes sales calls to existing and prospective clients to determine client's financial needs.
    • Develops relationships with referral partners, community organizations, housing agencies, local business leaders, realtors, builders, developers, and other referral sources.
  • Focuses on Community Reinvestment Act (CRA) and Multicultural Originations:
    • Generates residential mortgages to Low to Moderate-Income (LMI) Communities, majority-minority communities, LMI individuals, and minority individuals (e.g., Black or African American, Hispanic, American Indian, and Asian/Hawaiian/Pacific Islander).
    • Promotes home ownership, focusing on properties located in majority-minority census tracts.
    • Coordinates home-buying training seminars for potential CRA and multicultural origination mortgage applicants.
    • Partners with community, non-profit, and government agencies focused on affordable housing programs or minority communities.
    • Attends and speaks at various conferences and community development events to represent and promote FCB Banks' work.
  • May perform or provide support to one or more of the following functions:
    • Gather, evaluate, underwrite, and close consumer loans within the credit limit.
    • Retrieve collateral when the account is deemed uncollectible or makes arrangements for outside assistance.
    • Provide direction to Tellers, New Accounts, and Loan Assistants.
    • Other duties as assigned.
TECHNICAL SKILLS NEEDED:
  • Excellent and professional social and communication skills – verbal and written.
  • High-quality writing skills – uses accurate word usage, grammar, spelling, and punctuation in all written correspondence.
  • Strong listening skills – must listen and comprehend customer inquiries or concerns to provide a valuable solution.
  • Strong technology skills and expert knowledge of Microsoft Office (Word, Excel) and traditional office products (copiers, fax machines, ten-keys, phones, etc.)
  • Customer Service – acknowledges, greets, and responds quickly to customer needs; remains professional when dealing with challenging situations.
  • Problem Solving – identifies and resolves problems timely.
  • Teamwork – contributes to building a positive team spirit.
  • Good understanding of the banking industry, regulations, policies, and best practices
  • Quick learner, detail-oriented, and effective at managing and prioritizing multiple tasks.
  • Analytical – ability to analyze without bias or prejudice
  • Sales-orientated – decisiveness, negotiation, empathetic
  • Entrepreneurial spirit, self-motivated, and a strong commitment to work in community development
  • Ability to build relationships of trust with a broad range of people and organizations, particularly those historically excluded from formal financial markets.
QUALIFICATIONS:
  • Bachelor's Degree in a relevant field (Business, Management, Finance, Accounting, etc.) or any equivalent combination of education, training, and experience.
  • 3 -- 5 years of customer service experience (preferred).
  • 3 – 5 years of sales experience in a financial institution, retail, or service industry (preferred).
  • 1 – 3 years of financial services industry experience (preferred).
  • Must be eligible to register with the National Mortgage Licensing System and Registry (NMLS).
WORKING CONDITIONS:
  • Constantly uses standard office equipment such as computers, phones, photocopiers, filing cabinets, calculators, and fax machines.
  • Availability to work during bank operating hours (i.e., 7:45 am – 6:15 pm Monday through Friday and 7:45 am – 12:45 pm Saturdays). Additional hours may be required, including evenings and weekends.
  • Occasionally requires local travel, including offsite training, meetings, and events.
  • While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, use hands to handle or feel, and reach with hands and arms. The employee is required to lift up to 15 lbs. regularly and occasionally up to 25 lbs.
  • Ability to multi-task, work in a fast-paced, changing environment, and commit to accuracy and timeliness.
  • Ability to follow policies, procedures, and written instructions, as well as verbal instructions or directions from their supervisor
  • Ability to maintain confidentiality.
BENEFITS:
  • $26.00 - $32.00 per hour, eligible for performance-based bonuses and incentives
  • Health, Dental, Vision Insurance
  • Group Life Insurance 1x annual salary, 100% paid by the bank
  • Long-Term Disability insurance, 25% paid by the bank
  • Voluntary Life Insurance and Accidental Death and Dismemberment Insurance
  • Flexible Spending Account (FSA) and Dependent Care Flexible Spending Account (DCFSA)
  • Employee Assistance Program, Travel Assistance, and Life Services Tool Kit
  • Paid time off, including Vacation, Personal, and Sick leave
  • Partially paid Parental Leave for eligible employees
  • 401(k) with company match for eligible employees
DISCLAIMER:

The employee must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities.

FCB Banks retains the right to change or assign other duties to this position.
Equal access to programs, services and employment opportunities is available to all persons without regard to age, ancestry, citizenship, status, color, physical or mental disability, genetic information, marital status, military status, national origin, race, religion, sex (including pregnancy), sexual orientation, or any other basis protected by federal, state, and/or local law.

In accordance with the Americans with Disabilities Act and/or applicable state and local laws, applicants requiring reasonable accommodations for the application and/or interview process should notify the FCB Human Resources Department. Examples of reasonable accommodations include making a change to the application process; providing written materials in an alternate format such as braille, large print, or audio recording; using a sign language interpreter; using specialized equipment; or modifying testing conditions.
Applicants have rights under Federal Employment Laws
Equal Employment Opportunity Poster
Equal Employment Opportunity Supplement
Family and Medical Leave Act (FMLA)
Employee Polygraph Protection Act

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