Mortgage Loan Officer II

This person originates and manages the larger and, in some cases, more complex mortgage loans that meet established lending requirements and criteria, which provide maximum profitability to the bank with a minimum of risk.

This person should have a bachelor's degree plus a minimum of four years of progressively advanced experience in bank lending or the equivalent. Emphasis is placed on suitable communication skills as well as aptitude for detail.

• Seek, identify, and solicit potential mortgage loan customers, to enhance a sales culture within the Mortgage Lending Department, while maximizing profitability and minimizing risk to the bank.
• Interview mortgage loan applicants in order to assemble the information needed to make a credit decision as required by Loan Policies and Guidelines, industry standards, and consumer compliance regulations.
• Determine creditworthiness of applicants by analyzing credit information and appraisals, referring to lending authority as required by Loan Policies and Guidelines and industry standards.
• Ensure the complete collection of all mortgage loans extended by monitoring past-due reports, assisting the Mortgage Loan Servicing Department on collection efforts, using all legal means as required by Loan Policies and Guidelines.
• Remain current on industry products and developments, ensuring the bank's ongoing competitive advantage.
• Provide ongoing customer service to ensure customer retention and continued cross-selling of other bank products and services.
• Assist correspondent banks, affiliates, and other FBT banks with originating and closing mortgage loans.
• Attend all loan meetings as deemed appropriate or directed by the Mortgage Lending Department Manager to participate in decisions that affect ongoing and future operations of the loan function.
• Provide guidance and assistance to the other Mortgage Department Staff.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training.

The anticipated hourly range for this role is between $35.74 and $48.25. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors, including the individual's relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive compensation based on individual performance. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance.

Hourly Grade 6

First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at  or email