Corporate Retail Loan Underwriter

About this role

• *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 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* Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.
• For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

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