Overall Functions

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.

Qualifications

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.

Responsibilities

1. 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.
2. 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.
3. Determine creditworthiness of applicants by analyzing credit information and appraisals, referring to lending authority as required by Loan Policies and Guidelines and industry standards.
4. 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.
5. Remain current on industry products and developments, ensuring the bank’s ongoing competitive advantage.
6. Provide ongoing customer service to ensure customer retention and continued cross-selling of other bank products and services.
7. Assist correspondent banks, affiliates, and other FBT banks with originating and closing mortgage loans.
8. 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.
9. Provide guidance and assistance to the other Mortgage Department Staff.
10. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
11. Adhere to compliance procedures and participate in required compliance training.

Qualifications

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.

First Bank & Trust is one of South Dakota's largest family- and employee-owned banks, with 22 locations in 17 towns in South Dakota and Minnesota.

For more than a century, financial institutions led by generations of the Fishback family have proven that banking professionals can be conservative risk managers and entrepreneurs at the same time. The same entrepreneurial spirit that led Horace Fishback Sr. to open his first check-cashing station in Brookings, SD in 1880 drives us toward our vision: To grow a diversified independent financial corporation that excels in delivering community banking services and providing niche products nationwide.

We are proud to be a family- and employee-owned community bank. Our 700 employees take pride in our Be the 1 Service Culture principles - and it shows! We offer all of the strength and capabilities you might expect from a big-bank, but still have the flexibility and responsiveness of an independent local bank.

Let us show you how we make banking EASY.

{Member FDIC; Equal Housing Lender}

Please apply on our website: https://www.bankeasy.com/about-us/join-our-team/working-here