Residential Loan Specialist I-Remote

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timePosted 4 days ago location United States salarySalary undisclosed
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Job Description

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email:
Job Summary Responsible for expanding and deepening customer relationships by identifying customers' needs and matching their needs with selections and resources within the colleague's assigned business line and across all business lines of Associated Bank. Responsible for the origination of complete and compliant consumer loan applications for existing and new Associated Bank customers, through the referral process from bankers/mortgage originators, inbound calls, and online applications. Assist in the expedient processing of loan applications through regular communication with borrowers, branch partners, and Associated Bank loan fulfillment staff. Responsible for expanding and deepening customer relationships using all channels (Inbound calls into LENDABC, Direct to Consumer, LO partner, Branch partner, Online, and Virtual Sales) identifying customers' needs and matching their needs with financial solutions and resources within the colleague's assigned business line and across all business lines of Associated Bank. This position requires a credit check per 12 CFR Chapter X, Part 1026, Truth in Lending, Regulation Z.
Job Accountabilities
Accept Consumer/residential mortgage loan applications from borrowers and provide all required application disclosures. Ensure that loan applications are complete and compliant with Associated Banks loan policies, regulatory and legal requirements, industry and investor guidelines. Maintain open lines of communications with applicants and follow up timely as necessary. Submit loans to the loan processing unit timely and monitor the processing of the loan in accordance with Associated Banks policies and procedures.
Conduct loan pre-qualification interview on behalf of customers. Explain and recommend the most appropriate loan programs, based on a pre-qualification interview. Maintain a file of loan prospects who do not immediately result in a formal application and follow-up with prospects until they apply for a loan with Associated Bank.
Originate Consumer loans using good judgment and effective communication with customers, bank partners, prospects, loan officers, loan processors, loan underwriters, and title companies (closing agents)
Identify customer needs and refer customers to business partners within retail banking division and across lines of business lines to colleagues who can best meet those needs.
Follow up on leads generated through personal efforts, branch referrals, marketing promotions, Virtual Sales, and Online. Achieve sales goals established for the position.
Conduct all Consumer/Mortgage loan solicitation, origination, processing, and closing within the regulations of ECOA, RESPA, and other regulatory requirements.
Prepare records and reports as requested regarding loan solicitation, origination, and closing activities
Cross-sell other Associated Bank products and services and refer customers to other colleagues for further cross-sell opportunities according to cross-sell standards established for the positions.
Promote loan programs primarily by collaborating with internal colleagues and referral sources.
High School or equivalent combination of education and experience Required Experience
Less than 2 years Residential loan origination, consumer lending, processing or credit experience with a financial institution or mortgage banker/broker Required
Compliance Statement Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR. Responsible to report ethical concerns as needed to Associateds anonymous Ethics Hotline.Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering and S.A.F.E. Act requirements. Must submit required information to meet registry requirements, obtain a unique identifier, and maintain the registration requirements as directed by the S.A.F.E Act.
Associated Bank is committed to working diligently with any colleague who needs an accommodation perform the essential functions of the job. Please contact the Leaves & Accommodations office to request an accommodation.