Mortgage Loan Processor
Description:
Citizens Bank Minnesota is looking for a high performing Mortgage Loan Processor who loves working with people and has great attention to detail to take care of clients in our New Ulm location. The selected candidate will be responsible for Delivering the Ultimate Experience by developing positive relationships with new and existing clients, while excelling in a variety of responsibilities. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate who works well in a team environment with the ability to seamlessly adapt to change, this is a career worthy of consideration.
Job Responsibilities:
- Assist lenders by preparing and processing loan documentation
- Ordering and obtaining any necessary supporting documents
- Filing recordable documents
- Inputting and maintaining loans on the Bank’s core software
- Maintaining loan files and renewal documentation
- Providing customer service to loan customers
- Assist the Loan Servicing Specialist as needed
Benefits:
- 2025 Employee Benefit Summary - www.citizensmn.bank/assets/files/GgoSJQKy
- Comprehensive Benefits package including health, dental, vision, and life insurance
- Short- and Long-Term Disability
- 401k Plan
- Paid Time Off
Qualifications:
- High school diploma or equivalent.
- Computer and mathematical skills
- Customer service experience beneficial but not required
- Loan processing experience beneficial but not required
- Banking experience beneficial but not required
- Experience with legal docs beneficial but not required
Mortgage Loan Servicing & Processing Specialist
Salary: $24-$32
Description:
Citizens Bank Minnesota is looking for a high performing Mortgage Loan Servicing & Processing Specialist who loves working with people and has great attention to detail to take care of clients. The selected candidate will be responsible for Delivering the Ultimate Experience by developing positive relationships, while excelling in a variety of responsibilities. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate who works well in a team environment with the ability to seamlessly adapt to change, this is a career worthy of consideration. We are willing to accommodate the timeline for the right candidate to finish their education.
Job Responsibilities:
- Ensure daily accurate reporting of Freddie Mac loans including payments, payoffs and new loans.
- Complete Freddie Mac monthly account reconciliation and monthly delinquency reporting.
- Prepares for and verifies the escrow analysis process for all loans and provides necessary
- documents to client monthly.
- Disburses payments from escrow accounts, in a timely matter, including homeowner’s insurance, flood insurance, property taxes, and PMI.
- Provide monthly private mortgage insurance reporting.
- Responsible for tracking all residential homeowners’ insurance (escrowed and non-escrowed) and tracking commercial escrowed policies.
- Scan and index documents into Synergy.
- Annually verify taxes on all properties are current.
- Assist the loan processing team with processing and closing loans for the sale into the secondary market, in-house portfolio loans and Home Equity Lines of Credit (HELOC) for the bank’s portfolio.
- Assist the loan processing team with consumer real estate mortgage renewals and HELOC extensions.
Qualifications:
- High school diploma or equivalent
- Computer and mathematical skills
- Oral and written communication skills
- Customer service experience beneficial but not required
- Loan processing experience beneficial but not required
- Banking experience beneficial but not required
- Experience with legal docs beneficial but not required
Benefits:
- Employee Benefit Summary - https://www.citizensmn.bank/assets/files/Wl56vMZw
- Health, dental, vision, life insurance, and disability
- Hospital Indemnity, critical Illness and accident plans
- 401K Plan
- Paid Time Off
Commercial Lender - Lakeville Branch
Citizens Bank Minnesota is looking for a high performing, experienced, motivated and community focused Commercial Lender who loves working with people and has great attention to detail to take care of clients in our Lakeville branch. The selected candidate will be responsible for Delivering the Ultimate Experience by developing positive, meaningful relationships with new and existing clients. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate, this is a career worthy of consideration.
Job Responsibilities:
- Underwrite, originate and service all types of commercial and commercial real estate loans.
- Make effective sales calls on customers and prospects and assist in loan and deposit growth goals for the bank.
- Assist clients with preparing business plans, projections, sources/uses of funds.
- Establish structure of loans within framework of loan policy and prudent loan structuring guidelines and extend loans up to the limit of the lending authority granted by the Board of Directors.
- Ensure that proper loan documentation is completed, and handle customer information and files in a manner that provides high level of external and internal customer service. Provide complete and accurate information to appropriate lending support personnel. Uphold confidentiality at all times.
- Manage existing relationships by proactively seeking additional business, promptly working future maturities, and participating in the annual review process to determine if additional lending needs are present.
- Remain current on relevant industry and community information to ensure proactive analysis of loan portfolio as significant events occur.
- Proactively identify and manage credit risk through careful review of customer financial statements, overdraft reports, past due loan reports, watch reports and loan review reports. Act as work out lender when necessary.
- Maintain product knowledge of all bank products/services and create meaningful customer relationships that attract all of our clients’ financial business.
- Assist in the training and mentoring of new lenders as assigned, and assist other lenders in underwriting, originating and servicing all types of loans as needed.
- Participate in overall bank management by serving on internal committees.
- Maintain complete knowledge and understanding of Loan Policy, as well as knowledge of policy and compliance requirements for banking. Handle all customer interactions and file records in compliance with federal, state, and FDIC regulations. Assist in and respond to internal and external audits and reviews.
- Underwrite and originate Small Business Administration (SBA) loans including having an understanding of eligibility requirements and standards of practice.
Desired Qualifications:
- Degree in business or finance related field.
- Understanding of accounting, time value of money concepts, business finance, and business law.
- Proficiency with Excel, Word, Power Point, Microsoft Outlook, and Windows products.
- Mathematical skills.
- Strong written and verbal communication skills.
- Proven sales ability and established referral sources.
- Strong, in-depth credit analysis and risk management skills.
- High level of industry and product knowledge.
- Results orientation—plans, organizes and uses time, technology and resources efficiently.
- Team player—develops and maintains positive working relationships.
- Provides a professional experience for internal and external customers.
Benefits:
- Full Time
- Competitive Wage
- Comprehensive Benefits package including health, dental, vision, life insurance and disability
- 401k Plan
- Paid Time Off
