Mortgage Loan Officer

Position Title: Mortgage Loan Officer
Department: Loan Department
Supervisor: Mortgage Loan Supervisor
FLSA Status: Non-Exempt
Location: Vandalia, IL
Effective Date: 11/29/021

The FNB Community Bank, Vandalia, IL

The FNB Community Bank is the only locally owned community bank in Bond, Fayette and Marion

Counties. Established in 1865, we currently have 7 locations in the following communities: Vandalia,

Patoka, Ramsey, Greenville, & Mulberry Grove. We have a Mortgage Loan Officer position available in our main office located in Vandalia.

Vision:

The FNB Community Bank’s Vision consists of our Commitment, Passion and Niche as follows:

Commitment: To provide friendly, knowledgeable service you can trust.

Passion: To earn our customers’ trust every day.

Niche: Providing leadership and financial services for our communities.

Objective:

The Mortgage Loan Officer will develop relationships and solicit business from current customers, referrals, and walk-in customers. This position will accept the application, originate and close mortgage and consumer loans for the Bank. The objective is to assist borrowers in evaluating their opportunity to borrow money to invest in a home.

Essential Duties:

1. Analyze applicants' needs, financial status, credit, and property evaluations to determine the feasibility of granting loans.

2. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

3. Stay up-to-date with law/regulation changes.
4. Answer questions and concerns customers have about existing accounts.
5. Approve, process, and originate a mortgage and consumer loans.
6. Collect past-due loans when necessary.
7. Calculate debt, income, ability to repay, value, etc.
8. Market the Bank's products to customers and expand our relationship with them.
9. Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all Bank products and services.
10. Develop business contacts and customers through networking activities.
11. Other duties as assigned.

Knowledge, Skills, and Abilities:

1. Excellent communication skills (verbal and written)
2. Ability to work independently and with others successfully
3. Detail-oriented focus
4. Ability to meet deadlines
5. Problem-solving skills
6. Ability to learn and use the Bank's core and software systems
7. Organizational skills
8. Time management skills
9. Ability to make decisions
10. Sales ability to market Bank products to customers
11. Proficient in Microsoft Office

Physical Demands:

The physical demands described here are representative of those that must be met by an employee, with or without reasonable accommodation, to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to talk and hear. The employee is regularly required to sit, walk, and use hands and arms to reach, handle, and feel. Minimal weight is lifted.
Close vision is needed to complete essential job duties.

Education and Experience:

1. Bachelor's degree in business administration, finance, or related field OR equivalent experience
2. Ability to obtain NMLS
3. 3 years of banking experience preferred
4. Successful experience in sales and production is preferred

Work Environment:

This job operates in an office setting. This role routinely uses standard office equipment such as computers, phones, and photocopiers. Travel outside of the office may occur throughout the week.

Job Type: Full-time

Pay: $40,000.00 - $65,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Retirement plan
• Vision insurance

Schedule:

• Monday to Friday

Education:

• Bachelor's (Preferred)

Experience:

• Lending: 1 year (Preferred)

Work Location: One location