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Residential Loan Officer
Associated Bank. Originate regulatory-compliant residential loan applications .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in originating regulatory-compliant residential loan applications and managing client relationships with realtors, builders, and attorneys. Proficient in pipeline management and compliance with banking regulations, including the S.A.F.E. Act and Bank Secrecy Act.
Highest-signal resume keywords
Residential Loan OriginationRegulatory CompliancePipeline ManagementClient Relationship DevelopmentLoan Program Promotion
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan Application ProcessingLoan Pre-Qualification InterviewsCompliance ReviewCross-Selling Bank ProductsLoan SolicitationCustomer Needs IdentificationRecord PreparationReport GenerationCredit Check ProceduresBackground Check Compliance
Soft Skills
Interpersonal CommunicationCustomer Relationship ManagementProblem SolvingEthical ReportingNetworking
Certifications & Qualifications
Bachelor's DegreeS.A.F.E. Act Registration
Industry Keywords
Mortgage BankingBank Secrecy ActAnti-Money LaunderingTruth in LendingRegulation ZLow-to-Moderate Income LendingCommunity DevelopmentFinancial Institution ComplianceLoan ProcessingResidential Mortgage
About the role
Key responsibilities & impact- Originate regulatory-compliant residential loan applications
- Develop client referral relationships with realtors, builders, attorneys, and other centers of influence
- Expand and deepen customer relationships by identifying needs and matching them with products and resources
- Monitor expedited processing of loan applications through regular contact with loan processors
- Conduct regular pipeline management
- Follow up on leads from personal efforts, industry contacts, inquiries, advertising, and direct mail
- Conduct regulatory-compliant loan pre-qualification interviews
- Explain and recommend appropriate loan programs based on pre-qualification interviews
- Maintain and follow up on loan leads until resolution
- Accept and review residential mortgage loan applications for compliance with Bank, industry, and agency guidelines
- Notify applicants who do not qualify and begin processing qualified applications promptly
- Solicit and originate mortgage loan programs, including for low-to-moderate areas and low-to-moderate income individuals
- Liaise with local, state, and federal government agencies and nonprofit community development groups
- Identify customer needs and cross-sell Bank products and services or refer customers to business partners
- Promote the Bank's loan programs in the community
- Prepare records and reports regarding loan solicitation, origination, and closing activities
Requirements
What you’ll need- Bachelor's Degree or equivalent combination of education and experience required
- 1-3 years Residential loan processing or origination with a financial institution or mortgage banking company required
- Must directly represent yourself and your own experiences during the recruiting and hiring process
- Must successfully complete a thorough background check
- Credit check required per 12 CFR Chapter X, Part 1026, Truth in Lending, Regulation Z
- Operate in compliance with internal policies, applicable regulations and laws, including 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 registration requirements as directed by the S.A.F.E. Act
- Must report suspicious activity, customer complaints, procedure violations, and ethical concerns as required
Benefits
Comp & perks- Retirement savings including both 401(k) and Pension plans
- Paid time off to volunteer in your community
- Opportunities to connect with others through diversity-focused Colleague Resource Groups
- Competitive salaries with professional development and advancement opportunities
- Well-being programs and incentives
- Parental leave
- Employee stock purchase plan
- Military benefits
- Personal banking, loan, investment and insurance benefits