Mortgage Lender

Mortgage Lender

About the Role:

We are seeking a motivated and detail-oriented professional to join our team as a Mortgage Lender at our O'Fallon or Shiloh branch (location will be determined based on the selected candidate). In this role, you will be responsible for originating residential mortgage loans, guiding borrowers through the home financing process, and building strong relationships with clients, realtors, and referral partners.

The ideal candidate will have a solid understanding of mortgage products, underwriting guidelines, and loan documentation, along with a commitment to delivering exceptional customer service while identifying opportunities to cross-sell bank products and services.

This position offers an excellent opportunity to contribute to the bank's lending growth while helping individuals and families achieve their homeownership goals.

Essential Duties and Responsibilities:

• Originate residential mortgage loans, including conventional, FHA, VA, and other loan programs.
• Guide applicants through the mortgage process from application to closing.
• Analyze borrower financial information, including credit reports, income, and assets, to determine eligibility.
• Ensure loan applications and documentation are accurate, complete, and compliant with regulations.
• Maintain and develop relationships with clients, real estate agents, builders, and other referral sources.
• Cross-sell bank products and services to meet customer needs and support bank growth.
• Provide exceptional customer service while building long-term client relationships.
• Stay current on mortgage lending regulations, guidelines, and market trends.
• Perform other duties as assigned.

Qualifications:

• Bachelor's Degree in Finance, Business, or a related field, or a minimum of 5 years of relevant experience in mortgage lending or banking.
• Knowledge of residential mortgage products, underwriting guidelines, and loan documentation.
• Strong understanding of credit analysis, income calculation, and debt-to-income ratios.
• Excellent written and verbal communication skills.
• Strong organizational skills and the ability to manage multiple loan files simultaneously.
• Proven ability to build and maintain relationships with clients and referral partners.

Benefits May Include the Following:

Please visit our careers page to learn more about benefits offered at BOS:

https://www.bankwithbos.com/careers/

Salary Range:

The salary range for this position is $50,000.00 - $100,000.00, depending on experience and qualifications. In addition to base salary, compensation may include bonuses, commissions, benefits, and other incentives.