CNB St. Louis Bank is looking to grow our mortgage lending team. We are proud to be a locally-owned bank that embraces the principles and values of the communities we serve. The right mortgage lender will thrive in the CNB environment, where they are empowered to make timely lending decisions while offer competitive mortgage products with attractive pricing. CNB works hard to provide our mortgage lending team with the latitude and flexibility they need to get more deals across the finish line. Mortgage lenders at CNB have access to several portfolio loan products unique to the bank. This means our lenders can offer solutions in addition to all the traditional conventional mortgage loan products available in the marketplace today. Having a strong bank-wide customer focus allows our lenders the ability to have face-to-face interactions while forging deep, lasting relationships with clients.

Being a Mortgage Lender at CNB means:

• Portfolio loan products
• Competitive commission structure
• Customer and service-focused culture
• Management commitment to delivering high customer experience
• Providing winning solutions for our customers and the bank
• Streamlined process and ability to approve and close loans quickly
• Built-in referral source
• Local support staff
• Flexibility

An ideal candidate will possess 5 + years of prior mortgage lending experience, a strong credit/risk management background, a record of successful business development, a desire for continued professional development, and strong teamwork and communication skills. Title and salary commensurate with experience.

Status:

• Full-time

Essential Responsibilities:

• Identify, engage, and initiate the mortgage loan process for potential clients, including preparing, analyzing, and verifying mortgage loan applications for the purchase or refinance of real estate
• Evaluate creditworthiness by combining information from client interviews, personal backgrounds, and financial documents
• Maintain knowledge of current trends and developments in the real estate market; current and predicted lending rates; changes in rules, regulations; and best practices of various mortgages
• Actively participate in the local and business communities
• Advocate the most cost-effective loan programs for clients’ particular needs
• Develop and maintain contacts with local Realtors, developers, and builders to promote and encourage the utilization of bank services for residential mortgage
• Build customer, Realtor, and other referral relationships working within the prescribed framework of bank policies and procedures
• Follow proper risk, audit, and compliance controls to mitigate financial risk to the organization while maintaining an environment focused on quality customer service