Underwriter​/Mortgage Department Assistant

Your employment adventure begins here. We take great pride in our employees and strive to have enjoyable work teams. Along with competitive compensation, we provide a challenging work environment with opportunities for both personal and professional growth. Your chance to shine is waiting!

The Citizens State Bank offers the following benefits to eligible employees:

• Medical insurance plans
• Dental insurance plan
• Life insurance plan (company paid)
• Long term disability plan
• Short term disability plan
• 401(k) plan with company match
• Paid time for vacation, sick, holidays, etc.
• Employee assistance program
• Discounted banking services
• Career advancement and training
• Employee and community activities

The Citizens State Bank is an Equal Opportunity Employer and invites all interested and qualified applicants to apply for employment opportunities. Our company does not discriminate on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law;

except where an individual is protected category constitutes a bona fide occupational qualification.

The Citizens State Bank provides reasonable accommodation to individuals with disabilities and disabled veterans who seek to access the company’s online application system. Applicants with disabilities may contact us at  or  for assistance.

Location: Newton, KS

Job : 234-2612

# of Openings: 1

Reports to: VP of Mortgage Lending/Auditor

• Bachelor's degree in business administration, accounting, finance preferred.
• 1+ years in mortgage experience (loan officer, processing, underwriting) or experience and knowledge of banking and banking regulations, bank policies and procedures as well as real estate specific compliance (HMDA, TRID, SAFE Act, etc.) preferred.
• High school diploma or equivalent required.

Underwrite the processing of real estate loans. Track real estate loans throughout the lending process. Determine loan soundness and provide conditions to meet loan closing standards. Responsible for assisting the auditor with bank required audits.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

• Underwrite real estate loans in a timely manner. Ensure all regulations and requirements are met.
• Send interest rates email out daily to RCLC, and RMLO
• Balance monthly MPF, P&I, and Delinquency report
• Do pre-closing and post-closing audits in a timely manner
• Do MPF Quality Control audits from MPF
• Check closed loans report and prepare Mortgage releases
• Assist with annual escrow analysis process
• Make entries for mortgage loans that are booked using Quick Books
• Prepare mortgage payoffs
• Fed Express all necessary documents (Payoffs, Notes & Assignments to MPF, etc.)
• Record Mortgages at the courthouse
• Scan documents as needed – mortgages, final titles, releases, etc.
• Assist with new loan processing
• In-House Evaluations
• Provide any conditions required to meet loan standards.
• Conduct compliance loan monitoring on a consistent and scheduled basis.
• Follow auditing procedures to conduct audits as directed by the Internal Auditor.
• Document audit findings in the format requested by management.
• Make recommendations to department heads as to how they can improve in areas where audit revealed deficiencies.
• Continue to learn about bank regulations and controls in order to develop auditing skills.
• Compliance with Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence-beneficial ownership, identifying high risk accounts, reporting suspicious activities to Supervisor or BSA Department.
• Must be able to pay attention to details while performing multiple tasks simultaneously for periods of 2 hours or longer.
• Must be able to demonstrate strong computer…