Mortgage Lending Officer

Position Summary

River Bank & Trust is looking for a Mortgage Lending Officer (MLO) who is prepared to make a difference in the lives of our customers by providing unmatched knowledge and hospitality. This is achieved not only through the bank's commitment to support your success, but also through your community involvement, ability to uncover the customer's needs, recommend the best mortgage product, and help the customer throughout each step of the process to get the loan closed promptly.

• Interview customers to determine their mortgage needs
• Collect financial information and evaluate creditworthiness and eligibility to obtain a mortgage loan
• Guide the customer through their options and throughout the process
• Prepare and submit mortgage loan applications
• Ensure data is in line with national and local financial guidelines
• Keep the customer informed throughout each step of the process
• Help resolve problems or conflicts with applications
• Ensure compliance with privacy laws and confidentiality throughout the process
• Build and maintain customer relationships, internal referral network, and community involvement

• High School diploma or equivalent
• At least 2 years of experience in related or equivalent mortgage banking
• Knowledge and understanding of real‑estate lending criteria, compliance, federal/state regulations, loan origination and servicing software

• Follow policy and procedures and support Management’s decisions and goals in a positive, professional manner
• Stay abreast of regulatory requirements and complete annual compliance training applicable to the position
• Ensure customer service is a top priority both internally and externally; treat customers and employees with courtesy and respect
• Work in a fast‑paced team environment, handle multiple tasks, and prioritize work
• Be detail oriented and organized
• Analyze financial information
• Possess excellent interpersonal and communication skills
• Maintain integrity, discretion, and respect for confidential information
• Willingness to adapt to change
• Work within a variety of software and web applications
• Prioritize duties and effectively manage time
• Demonstrate analytical and problem‑solving skills
• Attend work on a regular basis, on time, and withstand varying degrees of stress
• Maintain a professional, business‑like appearance and demeanor
• Proficiency in Microsoft Office products:
  Word, Excel, Outlook

The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit, talk, hear, and use hands to finger, handle or feel. The employee will occasionally stand, walk, reach with hands and arms, climb and balance, and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting.

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non‑discriminatory subjects.

• Entry level

• Full‑time

• Finance and Sales

• Banking