Residential Loan Officer

Job Overview

Responsible for the origination of regulatory compliant residential loan applications and for developing client referral relationships with realtors, builders, attorneys and other centers of influence.

• Follow up on leads generated by personal effort, regular contact from within the industry, call‑in/walk‑in inquiries, and support enhancements from bank advertising and direct mail efforts.
• Conduct regulatory‑compliant loan pre‑qualification interviews; explain and recommend the most appropriate available loan programs; maintain a file of loan leads that do not immediately result in a formal application; follow up on leads regularly until they apply for a loan with the Bank, another lender, or withdraw from the mortgage market.
• Accept regulatory‑compliant residential mortgage loan applications from customers; review applications for compliance with bank, industry, and agency guidelines; notify applicants who do not qualify in a timely manner; begin processing of qualified applications as quickly as possible; monitor the processing of the loan in accordance with bank policies and procedures.
• Actively solicit and originate mortgage loan programs to all prospective borrowers, including in low‑ to moderate‑income areas; serve as liaison to local, state, and federal government agencies and not‑for‑profit community development groups.
• Identify needs and cross‑sell other bank products and services to established cross‑sale targets, including checking accounts, savings accounts, home equity loans/lines, mortgage life and disability insurance; refer customers to business partners within and across line of business who can best meet those needs.
• Promote the bank’s loan programs in the community through regular contact with real estate agents, builders, attorneys, and other centers of influence.
• Prepare records and reports as requested regarding loan solicitation, origination, and closing activities.

• Bachelor’s Degree or equivalent combination of education and experience

• 1‑3 years residential loan processing or origination with a financial institution or mortgage banking company

• Retirement savings plans including 401(k) and pension plans
• Paid time off to volunteer in your community
• Diversity‑focused colleague resource groups
• Competitive salaries with professional development and advancement opportunities
• Bonus benefits, well‑being programs, parental leave, employee stock purchase plan, and military benefits
• Personal banking, loan, investment and insurance benefits

$17.00 - $25.85 per hour (total compensation may include incentive, commission or bonus opportunities not reflected in the posted base pay range).

The role operates in full compliance with internal policies and procedures, as well as applicable regulations and laws, including the Bank Secrecy Act, Anti‑Money Laundering regulations, and the S.A.F.E. Act requirements.

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.