Corporate Retail Loan Underwriter

Make the change and be the difference. Take ownership at MCB!

Established in 1960 with just one location in Morton, IL, Morton Community Bank (MCB) has grown to over 600 employees, 53 branch locations and over $5 billion in assets! We pride ourselves on our dedicated service to our customers and our communities, while placing much value on our internal assets, our employees. Each MCB employee OWNS a portion of the bank with our ESOP (Employee Stock Ownership Plan). The ESOP has proven to be a substantial benefit to employees upon retirement.

Pay or shift range: $26.91/hour USD to 32.64/hour USD

The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Enjoy the Benefits of working at MCB!

Medical, Dental, Vision, Short-Term Disability, HSA, FSA, 401k.

Life and AD&D Insurances and Long-Term Disability, Vacation Days, Personal Days, and Paid Holidays.

Job Summary

Make prudent credit decisions within the bank’s approval/exception guidelines, in compliance with all state and federal regulations, and in adherence to all MCB practices, policies, and procedures. Review loan requests for income, credit history, debit ratios and savings, while ensuring buyer’s debt does not exceed acceptable limits as determined by the loan program guidelines.

Essential Duties & Responsibilities
· Interview applicants and request specified information for residential loan applicants
· Analyze applicant’s financial status, credit and property evaluation to determine feasibility
· Evaluate loans in order to maximize organizational profit and minimize risk or loss
· Submit applications to the Credit Analyst for verification and recommendation
· Approve loans within specified limits or refer loan to loan Committee for approval
· Answer telephone and written inquiries concerning loan processing information

Supervisory Requirements

Personnel Management: This position has no supervisory responsibilities.

Physical Demands

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
· The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing and performing repetitive motions.
· Medium exertion; exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects.
· The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal.

Work Environment

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

· The noise level in the work environment is usually moderate.
· Employees, who work 7 ½ continuous hours or more, must take a 30 minute uninterrupted lunch break no later than 5 hours after beginning their work day

Education and Qualifications

Essential:
· High school education and diploma
· Attend MCB loan meetings as scheduled
· Attend loan overview course
· BSA and other Bank related training through BAI is required annually

Desirable:
· Bachelor’s degree in area of specialty

Experience

Essential:
· Knowledge of customer service principles
· Relevant computer skills

Candidates must be authorized, without restriction, to work in the United States without employer sponsorship now and in the future