Are you interested in taking your career to the next level with a top local financial institution while making a real difference in people's lives? Join State Bank Financial as a Mortgage Loan Officer and become the go-to advisor for families and individuals ready to take the next step in homeownership. We're more than a lender – we're a trusted part of our community.
You'll guide borrowers through every step of the mortgage process with confidence, clarity, and care – backed by a team that supports your success. If you're looking for a fast-paced, high reward career, we're excited to meet you!
Position Summary
The Mortgage Loan Originator is responsible for providing a high level of customer service in the origination of consumer home mortgage loans. The MLO is also responsible for structuring, underwriting, and closing real estate loans as well as developing a strong referral network in developing new business. The MLO also represents the bank in the community through active involvement in community affairs and participates in the marketing of all the bank’s products and services. The MLO also ensures all documentation is complete, accurate, timely, and understands and completes the job responsibilities in accordance with federal and state compliance regulations. Ensures the highest level of customer satisfaction according to our Culture of CARE.
Essential Job Functions
Solicit and develop loans for all aspects of our markets including but not limited to: residential real estate, and new construction.Originate and pre-qualify customers for mortgage loans by conducting an interview to obtain pertinent financial information, analyzing the financial data and counseling the customer on the appropriate mortgage funding options and other retail products.Develop a continuous pipeline of loans through internal and external sources by actively working with the commercial, retail, and investment areas.Maximize bank profitability through appropriate pricing of new loan originations and fee income while meeting loan policy guidelines.Conduct business development activities which includes establishing relationships with real estate brokers and builders.Work with the Director of Retail Banking and Director of Marketing to develop and utilize successful marketing strategies.Work with the loan operations team to ensure all pertinent account documentation has been accurately prepared, processed, dispersed, and collateral has been properly secured. Assists in contacting real estate customers for missing documentationParticipates and attends loan closings at title company or conducts the closing of refinances in the bank.Additional Duties and Responsibilities
Maintains knowledge of all bank products and services Updates knowledge and develops professionally on a continuous basis both internally and externally to stay on top of industry trends, developments, and changes in regulatory law.Represents the bank in various business and community organizations and events. Other job-related duties may be necessary to carry out the responsibilities of this positionSoftware/Technology
Operates a personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet / intranet, and other bank specific software. Utilizes a variety of office equipment including computer printer, calculator, fax/scanner/copier, and multi-line telephone.
Education and Experience
Three-plus years of prior mortgage lending experience required, and high school diploma required; bachelor’s or associate degree preferred. Must have NMLS certification, or ability to be certified. Valid driver’s license required. Must have the ability to deal effectively with time pressures and stress that can change hourly depending on level of customer activity
Other Skills and Abilities
Ability to apply knowledge in policy and procedure development. Ability to maintain the integrity of highly confidential customer and Bank information. Excellent verbal and written communications skills and strong mathematical skills. Must possess technical ability to input and retrieve computerized information
Competencies
Respect & Community according to our Culture of CARE:Establishes and maintains respectful and cooperative working relationships.Demonstrates respect for individuals in all forms of communication. Supports team and bank goals and objectives.Demonstrates respect for a positive, diverse work environment and bank community. Handles interpersonal conflicts constructively.Focus on Results:Sets goals in alignment with team and bank prioritiesOrganizes work to achieve goalsIdentifies and solves problemsAchieves targeted resultsAccepts responsibility for own actionsInterpersonal Skills:Builds strong relationshipsIs flexible/adaptableWorks well with othersSolicits feedbackQuality Service:Listens carefully and responds to customer requests and problemsDelivers friendly, courteous service to internal and external customersDemonstrates a commitment to increasing customer satisfactionLooks for and makes continuous improvementsPerforms with accuracy thoroughness and effectivenessSales Skill:Understands marketplaceWorks to meet prospect/customer needsEffective closing techniqueCulture of CARE
Communication: Shares information, expresses ideas so they are understood, listens actively to information presented by others, keeps all parties informed
Associate Experience: Associate regularly treats co-associates with Respect and Integrity, is a Champion of excellence in their work, and has an attitude of Humility (RICH).
Recognition & Development: Seeks new challenges and increased responsibility, seeks and participates in learning and development opportunities, recognizes co-associates for their contributions.
Customer Experience: We gain insights into our customer needs by identifying opportunities; build and/or deliver solutions that meet or exceed customer expectations; establish and maintain customer relationship.
Working Conditions
Work is performed largely in an office environment, during normal business hours. Deadline pressure is an integral part of the job. Regular mental and visual concentration for computer usage and reading/assimilating complex and technical compliance information is required. Position will alternate between walking, sitting, standing, stooping, bending, and occasional lifting up to 15 pounds of office supplies and/or documents throughout work shift.
Employees with disabilities must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the “essential functions” of the position, with or without reasonable accommodation.
Acknowledgement:
I understand that this job description describes the general nature and level of work performed by associates assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job and does not create an employment contract. I also understand that I may be required to perform other job-related duties as requested by Management. All requirements are subject to change over time, within management’s sole discretion, and to possible modification to reasonably accommodate individuals with a disability.
State Bank Financial is an equal opportunity employer of individuals with disabilities and protected veterans.
Looking for more than just a job? At State Bank Financial, you’ll find a career with purpose, impact, and room to grow. We’ve been a trusted part of the Coulee Region since 1858, making us the region’s oldest community bank! While we’re proud of our roots, we are bold, innovative, and focused on building a future.
Join a team where your voice matters, your work is valued, and your well-being comes first. We offer a competitive benefits package – including heath and wellness and financial protection that includes a generous 401k match, time-off programs, and more – because we believe a great life fuels great work.
Make your mark at a place that’s all about people, progress, and community. This is more than banking – it’s your future. Let’s build it together!
Position Summary
Performs various Deposit and Digital Banking Services as needed by internal and external customer. These responsibilities may include but are not limited to: balancing and account questions for customer needs, understanding of core systems, ability to work ACH, assist with completing wire transfers, and monitoring/balancing of the general ledger. This position will work in a team environment and requires a high degree of interaction with fellow associates. Excellent customer skills and the motivation to succeed on a professional level are required. Understand and complete job responsibilities in accordance with federal and state compliance regulations, bank policy and procedures. The work is confidential and may be complex, therefore, attention to detail and accuracy is essential. Ability to work under pressure, prioritize multiple job tasks and meet deadlines is necessary.
Essential Job Functions
Process ACH transactions, domestic and international wire transfers, debit card maintenance, and both remote & mobile deposits.Processing and balancing the cash letter along with chargebacks and returned items.Reviews reports and compliance regulations including but not limited to Regulation CC, D, DD, E, Privacy, BSA and NACHA rules.Additional Duties and Responsibilities:
Assists with installation, testing and training of bank-specific software; performs updates and maintenance as needed. Completes all training as required to enhance job skills and maintain compliance standards. Assists Manager as requested in order to maintain department standards, completion of daily work and special projects. Assists with audits and exams as requested. Aid in the testing and origination of job aides and training of internal staff as needed.Minimum Qualifications
High school diploma or equivalent required; an Associate or Bachelor’s degree in accounting and/or finance preferred.One to three years previous banking and customer service-related experience required. Must have the technical ability to input and retrieve computerized information.The ability to maintain the integrity of highly confidential customer and Bank information.Effective time management skills as well as the ability to deal effectively with time pressures.Equipment Used
Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet/intranet, and other bank specific software. Utilizes a variety of office equipment including, but not limited to; computer printer, ten-key calculator, fax machine, copy machine, scanner, and multi-line telephone.
Culture of CARE
Communication: Shares information, expresses ideas so they are understood, listens actively to information presented by others, keeps all parties informed
Associate Experience: Associate regularly treats co-associates with Respect and Integrity, is a Champion of excellence in their work, and has an attitude of Humility (RICH).
Recognition & Development: Seeks new challenges and increased responsibility, seeks and participates in learning and development opportunities, recognizes co-associates for their contributions.
Customer Experience: We gain insights into our customer needs by identifying opportunities; build and/or deliver solutions that meet or exceed customer expectations; establish and maintain customer relationship.
Working Conditions
Work is performed largely in an office environment, during normal business hours. Deadline pressure is an integral part of the job. Regular mental and visual concentration for computer usage and reading/assimilating complex and technical compliance information is required. Position will alternate between walking, sitting, standing, stooping, bending, and occasional lifting up to 15 pounds of office supplies and/or documents throughout work shift.
Employees with disabilities must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the “essential functions” of the position, with or without reasonable accommodation.
Acknowledgement:
I understand that this job description describes the general nature and level of work performed by associates assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job and does not create an employment contract. I also understand that I may be required to perform other job-related duties as requested by Management. All requirements are subject to change over time, within management’s sole discretion, and to possible modification to reasonably accommodate individuals with a disability.
State Bank Financial is an equal opportunity employer of individuals with disabilities and protected veterans.
Are you interested in taking your career to the next level with a top local financial institution while making a real difference in people's lives? Join State Bank Financial as a Mortgage Loan Officer and become the go-to advisor for families and individuals ready to take the next step in homeownership. We're more than a lender – we're a trusted part of our community.
You'll guide borrowers through every step of the mortgage process with confidence, clarity, and care – backed by a team that supports your success. If you're looking for a fast-paced, high reward career, we're excited to meet you!
Position Summary
The Mortgage Loan Originator is responsible for providing a high level of customer service in the origination of consumer home mortgage loans. The MLO is also responsible for structuring, underwriting, and closing real estate loans as well as developing a strong referral network in developing new business. The MLO also represents the bank in the community through active involvement in community affairs and participates in the marketing of all the bank’s products and services. The MLO also ensures all documentation is complete, accurate, timely, and understands and completes the job responsibilities in accordance with federal and state compliance regulations. Ensures the highest level of customer satisfaction according to our Culture of CARE.
Essential Job Functions
Solicit and develop loans for all aspects of our markets including but not limited to: residential real estate, and new construction.Originate and pre-qualify customers for mortgage loans by conducting an interview to obtain pertinent financial information, analyzing the financial data and counseling the customer on the appropriate mortgage funding options and other retail products.Develop a continuous pipeline of loans through internal and external sources by actively working with the commercial, retail, and investment areas.Maximize bank profitability through appropriate pricing of new loan originations and fee income while meeting loan policy guidelines.Conduct business development activities which includes establishing relationships with real estate brokers and builders.Work with the Director of Retail Banking and Director of Marketing to develop and utilize successful marketing strategies.Work with the loan operations team to ensure all pertinent account documentation has been accurately prepared, processed, dispersed, and collateral has been properly secured. Assists in contacting real estate customers for missing documentationParticipates and attends loan closings at title company or conducts the closing of refinances in the bank.Additional Duties and Responsibilities
Maintains knowledge of all bank products and services Updates knowledge and develops professionally on a continuous basis both internally and externally to stay on top of industry trends, developments, and changes in regulatory law.Represents the bank in various business and community organizations and events. Other job-related duties may be necessary to carry out the responsibilities of this positionSoftware/Technology
Operates a personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet / intranet, and other bank specific software. Utilizes a variety of office equipment including computer printer, calculator, fax/scanner/copier, and multi-line telephone.
Education and Experience
Three-plus years of prior mortgage lending experience required, and high school diploma required; bachelor’s or associate degree preferred. Must have NMLS certification, or ability to be certified. Valid driver’s license required. Must have the ability to deal effectively with time pressures and stress that can change hourly depending on level of customer activity
Other Skills and Abilities
Ability to apply knowledge in policy and procedure development. Ability to maintain the integrity of highly confidential customer and Bank information. Excellent verbal and written communications skills and strong mathematical skills. Must possess technical ability to input and retrieve computerized information
Competencies
Respect & Community according to our Culture of CARE:Establishes and maintains respectful and cooperative working relationships.Demonstrates respect for individuals in all forms of communication. Supports team and bank goals and objectives.Demonstrates respect for a positive, diverse work environment and bank community. Handles interpersonal conflicts constructively.Focus on Results:Sets goals in alignment with team and bank prioritiesOrganizes work to achieve goalsIdentifies and solves problemsAchieves targeted resultsAccepts responsibility for own actionsInterpersonal Skills:Builds strong relationshipsIs flexible/adaptableWorks well with othersSolicits feedbackQuality Service:Listens carefully and responds to customer requests and problemsDelivers friendly, courteous service to internal and external customersDemonstrates a commitment to increasing customer satisfactionLooks for and makes continuous improvementsPerforms with accuracy thoroughness and effectivenessSales Skill:Understands marketplaceWorks to meet prospect/customer needsEffective closing techniqueCulture of CARE
Communication: Shares information, expresses ideas so they are understood, listens actively to information presented by others, keeps all parties informed
Associate Experience: Associate regularly treats co-associates with Respect and Integrity, is a Champion of excellence in their work, and has an attitude of Humility (RICH).
Recognition & Development: Seeks new challenges and increased responsibility, seeks and participates in learning and development opportunities, recognizes co-associates for their contributions.
Customer Experience: We gain insights into our customer needs by identifying opportunities; build and/or deliver solutions that meet or exceed customer expectations; establish and maintain customer relationship.
Working Conditions
Work is performed largely in an office environment, during normal business hours. Deadline pressure is an integral part of the job. Regular mental and visual concentration for computer usage and reading/assimilating complex and technical compliance information is required. Position will alternate between walking, sitting, standing, stooping, bending, and occasional lifting up to 15 pounds of office supplies and/or documents throughout work shift.
Employees with disabilities must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the “essential functions” of the position, with or without reasonable accommodation.
Acknowledgement:
I understand that this job description describes the general nature and level of work performed by associates assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job and does not create an employment contract. I also understand that I may be required to perform other job-related duties as requested by Management. All requirements are subject to change over time, within management’s sole discretion, and to possible modification to reasonably accommodate individuals with a disability.
State Bank Financial is an equal opportunity employer of individuals with disabilities and protected veterans.
