Position: Full-time Universal Banker – Park Ridge, Mount Prospect & Oakbrook Terrance
Reports to: VP, Market Manager
Hours: Monday through Friday, 8:00 am – 5:00 pm (In office)
Must be available on Saturdays -9:00 am -1:00 pm
SUMMARY
Responsible for providing superior service to our customers, handling their Teller and Personal Banking transactions in an accurate timely manner. Services customers’ financial needs in order to maintain and develop profitable customer relationships with the Branch/Bank. UBI role will provide assistance on the Teller line by maintaining a cash drawer and servicing customers approximately 80% of the time.
ESSENTIAL DUTIES AND RESPONSIBILITIES
· Sells or participates in the selling of bank products and services following established guidelines and procedures. Promotes additional business from existing customers.
· Identifies customer needs, explains product features in terms of benefit to the customer and recommends the product or service which best meets the customer’s needs.
· Provides basic information and answers customers’ inquiries concerning bank products and services.
· Exhibits strong working knowledge of all retail bank products and of general banking terms in order to provide the customer with a clear and accurate explanation of account parameters as outlined in our Consumer Disclosure.
· Attendance is a requirement of the position.
· Provides courteous and efficient service.
· Processes checking and savings transactions, cashes checks within the specified limits and policies, accepts loan payments; sells Personal Money Orders, and Cashier’s Checks, processes mail deposits, night depository deposits, ATM deposits and armored courier deposits as required.
· Accepts and verifies loose and rolled coin from customers. Is accountable to properly bag loose coin in appropriate dollar amounts for shipment to Main Cash Vault, collects appropriate coin counting fee from customers.
· Processes transactions as a Drive-Up/Walk-Up Teller.
· Maintains supplies and balances the ATM.
· Counts, proves and packages currency according to established and accepted cash handling procedures (measurement through adjustments received from the Federal Reserve Bank and through observation from the Main Cash Vault.)
· Balances cash drawer and accurately prepares Teller blotter.
· Maintains cash drawer security at all times.
· Maintains up-to-date knowledge of products offered as well as basic features and benefits.
· Researches and resolves routine account problems or errors. Investigates files, documents, or reports on transaction to determine the problem and cause of action.
· Authorizes overdrafts, approves checks for cashing and processes transactions within established limits.
· Performs file maintenance for commercial and retail customers in accordance with branch operations procedures.
· Takes request for check orders and debit cards and re-orders.
· Accepts and performs wire transfers in accordance with bank operations policy and authority limits.
· Understands branch’s retail goals, his/her individual goals and achievement.
· Develops ideas to promote new business and increase customer base.
· May assist with handling teller transactions, including balancing currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed.
· Follows bank and regulatory policies and procedures.
· Performs other duties as assigned or required.
JOB SPECIFICATIONS
All duties and responsibilities must be performed in compliance with applicable local, state, and federal regulatory guidelines.
This position does NOT take residential loan applications. This position does NOT offer or negotiate terms of a residential mortgage loan for compensation or gain. This position may provide general explanation, information, or descriptions in response to consumer inquiries (such as explaining terminology or lending policies). As such, this position is NOT required to be registered with the National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008.
SUPERVISORY RESPONSIBILITIES
Reports directly to the Market Manager.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Ability to recognize the customer’s needs and suggest the best product/service
• Attention to detail and accuracy in all transactions
• Good oral communications
• Ability to adapt and embrace policy and procedure changes
• Self-motivated individual with customer service sales skills
• Computer skills required
• Strong math skills required
• Ability to keep his/her workstation neat, organized and fully stocked on a daily basis
• Able to coach/mentor all Teller’s on effective referral skills through product definition (benefits and features).
EDUCATION AND EXPERIENCE
High school diploma or equivalent. Two or more years of retail bank experience, including sales and cash handling.
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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to finger, handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORKING CONDITIONS
Work is performed in a typical office environment. Light and temperature are adequate, and there are no hazardous or unpleasant conditions caused by noise, dust, etc.
BENEFIT INFORMATION
Lakeside Bank offers a wide variety of benefit programs for our employees. We offer 4 Blue Cross Blue Shield Medical plans (2 PPO & 1 HMO plan). Our PPO Dental plans are offered through Principal. The Bank subsidizes a large percentage of the monthly premiums. We also offer Vision insurance through Principal VSP. Employees are able to select from Single coverage, Employee & Spouse coverage, Employee & Child(ren) coverage or Family coverage levels.
The Bank provides Life/AD&D, Short-term Disability, and Long-term Disability insurance – at no cost to the employee. We offer a variety of supplemental ancillary products such as supplemental life for employee, spouse and/or children, accident, critical illness, hospital indemnity and pet insurance. Additional information on each plan can be provided upon request.
SALARY INFORMATION
This is a non-exempt, hourly position. Universal Banker II role. Compensation will be based upon background and level of experience. The compensation range is $19.00 -- $26.00.
DISCLAIMER
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.
Lakeside Bank Equal Employment Opportunity Policy:
Lakeside Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Company DescriptionIt’s About Time you check us out, consider a career at Lakeside...and join us!Position: Full-Time Mortgage Loan Processer/Closer -- Grade 7
Location: Oak Brook Operations Center
Reports to: VP Team & Group Team Lead, Residential Mortgage Lending
Hours: Monday through Friday 8:00-5:00
Mortgage Loan Processor/Closer
Summary: As a member of the Mortgage Loan Operations team, this position is responsible for preparing, processing, assembling, verifying, and closing residential mortgage loans in accordance with Bank and investor guidelines. Processing will constitute approximately 70%, with Closer responsibilities the other 30% for this position.
Essential Duties and Responsibilities include the following:
Processing Responsibilities:
· Review loan application packages for completeness and accuracy, reconciling application information against system input and confirming individual data fields. Perform quality control on loan packages to ensure all required dates, signatures, URLA/1003 documents, and disclosures are complete.
· Verify and validate supporting income, asset, and liability documentation to confirm the accuracy of submitted information and alignment with automated underwriting decisions.
· Verify income, assets, liabilities, and appraisals in accordance with established departmental procedures.
· Review appraisals, credit reports, title insurance, flood certifications, and tax certificates for accuracy and completeness.
· Prepare and submit timely, accurate loan files in compliance with applicable local, state, and federal regulations, including but not limited to RESPA, Regulation Z, and CFPB requirements.
· Demonstrate working knowledge of Freddie Mac and Fannie Mae underwriting guidelines and systems, including LP and DU.
· Utilize Encompass software effectively to support mortgage loan processing activities.
· Obtain and review documentation to ensure acceptability and satisfaction of underwriting conditions.
· Submit credit packages to the correspondent lender for underwriting review and provide all required underwriting conditions in a timely manner.
· Complete final quality assurance reviews, including reverification of employment and review of any additional debt.
· Coordinate closely with the Mortgage Loan Consultant and correspondent lender, while keeping the department and other relevant stakeholders informed of file status.
· Establish and maintain effective working relationships with Mortgage Loan Consultants, investors, attorneys, title companies, Realtors, and developers.
Closing Responsibilities:
· Prepare closing documents in accordance with final underwriting approval, ensuring quality, accuracy of closing fees, and satisfaction of all closing conditions to support loan salability.
· Work with title companies to coordinate and confirm loan closings, validate and transmit final figures, and approve funding.
· Review HUD-1 statements and related reports for accuracy.
· Prepare closing packages using IDS and complete the TIL test.
· Manage wire activity, including ordering wires, tracking incoming wires for purchased loans, and providing wire breakdowns to Bank staff.
· Work with correspondent lenders to prepare and deliver loans for sale and provide final documentation, including loan registration and transfer through MERS to the new lender.
· Resolve all post-closing deficiencies in accordance with investor requirements.
· Maintain strong working relationships with Mortgage Loan Consultants, investors, attorneys, title companies, insurance companies, Realtors, and developers to support efficient operations, provide updates and documentation, and respond to questions or issues related to the mortgage loan process.
· Utilize LaserPro effectively to support closing functions.
Additional Responsibilities:
· Support a collaborative team environment by cross-training in a variety of mortgage operations functions and stepping in as needed to assist team members, including file opening and support for Mortgage Loan Consultants.
· Perform other duties and responsibilities as assigned.
Qualifications:
To perform this job successfully, an individual must be able to carry out each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and abilities needed for the role.
· Strong knowledge of mortgage loan processing and closing, including an understanding of the end-to-end mortgage lending process and the technical skills required to support it.
· Knowledge of TRID and Closing Disclosure requirements.
· Intermediate proficiency in Microsoft Office applications.
· Intermediate proficiency in Encompass and LaserPro.
· Experience with FiServ DNA is helpful.
· Excellent verbal and written communication skills, with the ability to interact effectively with a broad range of internal and external contacts.
· Strong attention to detail and accuracy.
· Ability to work independently, manage multiple priorities, and meet time-sensitive deadlines in a fast-paced environment.
· Ability to use a 10-key calculator.
· Ability to use the web-based document preparation system IDS.
· Working knowledge of LP and DU systems.
· Strong understanding of APR and non-APR fees.
· Working knowledge of RESPA, Regulation Z, and CFPB guidelines.
· Working knowledge of mortgage processing software, including Encompass.
Education and/or Experience:
High school diploma or general education degree (GED) required. A minimum of five years of mortgage lending experience is preferred.
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 role. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to stand, walk, sit, and use hands to finger, handle, or touch objects. The employee is occasionally required to reach with hands and arms and must occasionally lift and/or move up to 10 pounds. Specific vision abilities required for this position include close vision and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORKING CONDITIONS
Work is performed in a typical office environment with adequate lighting and temperature control. The role is not generally exposed to hazardous or unpleasant conditions caused by noise, dust, or similar environmental factors.
BENEFIT INFORMATION
Lakeside Bank offers a wide variety of benefit programs for our employees. We offer 3 Blue Cross Blue Shield Medical plans (2 PPO & 1 HMO plan). Our PPO Dental plans are offered through Principal. The Bank subsidizes a large percentage of the monthly premiums. We also offer Vision insurance through Principal VSP. Employees are able to select from Single coverage, Employee & Spouse coverage, Employee & Child(ren) coverage or Family coverage levels.
The Bank provides Life/AD&D, Short-term Disability, and Long-term Disability insurance – at no cost to the employee. We offer a variety of supplemental ancillary products such as supplemental life for employee, spouse and/or children, accident, critical illness, hospital indemnity and pet insurance. Additional information on each plan can be provided upon request.
SALARY INFORMATION
This is a non-exempt, hourly position. Mortgage Loan Processor/Closer Compensation will be based upon background and level of experience. The compensation range is $19.00 -- $28.00.
DISCLAIMER
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.
Lakeside Bank Equal Employment Opportunity Policy:
Lakeside Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Company DescriptionIt’s About Time you check us out, consider a career at Lakeside...and join us!Position: Mortgage Loan Originator
Location: City Locations
Reports to: VP, Group Lead Mortgage Lending
Summary: A Mortgage Loan Consultant or Mortgage Loan Originator will be responsible for originating residential first mortgage loans.
The MLC will generate new business by developing and maintaining strong relationships with real estate professionals, developers, CPAs, Attorneys, and other referral partners while providing superior service to bank customers. The MLC will also be responsible for completing and submitting a quality loan application as well as resolve any outstanding issues in order to complete the mortgage origination.
Qualifications:
· Previous mortgage sales experience or comparable financial or sales experience is preferred
(Willing to train-with prior sales experience or experience in mortgage servicing)
· Sales aptitude--Minimum sales quota/expectation of $1,000,000 per month in closed business
· Strong relationship-building skills
· Good math aptitude
· Excellent written and oral communication skills
· Intermediate PC skills required in Windows environment
This position will require National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008. As such, upon active employment with the Bank, The MLC will be required to either register via the NMLS registry or re-register and move your previous registration to Lakeside Bank’s registration rolls. Continued employment in this position with Lakeside Bank is contingent upon successful registration after your start date and annual re-registration thereafter. In addition, information obtained during the registration process may impact your employment with the firm.
Benefit Information: Lakeside Bank offers a wide variety of benefit programs for our employees. We offer 4 Blue Cross Blue Shield Medical plans (2 PPO & 2 HMO plans). Our PPO Dental plans are offered through Principal. The Bank subsidizes a large percentage of the monthly premiums. We also offer Vision insurance through Principal VSP. Employees are able to select from Single coverage, Employee & Spouse coverage, Employee & Child(ren) coverage or Family coverage levels.
The Bank provides Life/AD&D, Short-term Disability, and Long-term Disability insurance – at no cost to the employee. We offer a variety of supplemental ancillary products such as supplemental life for employee, spouse and/or children, accident, critical illness, hospital indemnity and pet insurance. Additional information on each plan can be provided upon request.
Paid Time Off: For the first 5 years of service for this position, the employee is eligible for 3 weeks of vacation. All employees are eligible for 5 days of paid sick time and 5 days of PTO. Additionally, we have 11 paid Holidays each year.
Salary Information: This is a sales position. All leads are generally self-generated. There is a base salary of $30,000 and then In addition to the base salary, the Mortgage Loan Originator shall receive commissions earned on closed and funded loans. The Mortgage Loan Originator shall be compensated only for those loans which close, fund and result in fee income to Lakeside.
Equal Opportunity Employer Disability/Veteran
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
Lakeside Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Company DescriptionIt’s About Time you check us out, consider a career at Lakeside...and join us!
