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CRA Residential Loan Officer - St Paul

Associated Bank - Corp
parental leave, paid time off, 401(k)
United States, Minnesota, Saint Paul
202 Snelling Avenue (Show on map)
Dec 02, 2024

At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you.

This CRA Residential Loan Officer role is responsible for the origination of regulatory compliance residential loan applications, particularly for low and moderate income borrowers and in low and moderate income CRA assessment areas, by developing client referral sources including realtors, home buyer counseling agencies, builders, and branch bankers.

This position requires a credit check per 12 CFR Chapter X, Part 1026, Truth in Lending, Regulation Z.

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.

This person will,

  • Accept residential mortgage loan applications from customers. Review applications for regulatory compliance with Bank, industry, and agency guidelines. Begin the processing of qualified applications as quickly as possible.

  • Active solicitation and origination of mortgage loan programs to low to moderate targeted areas, and low to moderate income individuals. Serve as the liaison to local, state, and federal government agencies, as well as not for profit community development groups.

  • Promote the Bank's loan programs in the community through regular contact with real estate brokers/builders, and other centers of influence who can make client referrals.

  • Identify needs and refer customers to business partners within and across lines of business who can best meet those needs.

  • Follow up on leads generated by personal effort, regular contact from within the industry, call-in/walk-in inquiries, in addition to the support enhancements from Bank advertising, and direct mail efforts.

  • Conduct loan pre-qualification interview and recommend the most appropriate available loan programs, based on a pre-qualification interview. Maintain a file of loan leads that do not immediately result in a formal application. Follow up on leads regularly until they apply for a loan with the Bank, apply for a loan with another lender, or withdraw from the mortgage market.

Requirements
Education

  • Bachelor's Degree or equivalent combination of education and experience Preferred

Experience

  • 2-4 years Residential loan processing, loan origination or housing counseling with a financial institution, mortgage banking company or a not-for-profit agency. Required

In addition to core traditional benefits, we take pride in offering benefits for every stage of life.

  • Retirement savings including both 401(k) and Pension plans.

  • Paid time off to volunteer in your community.

  • Opportunities to connect with others through our diversity-focusedColleague Resource Groups.

  • Competitive salaries with professional development and advancement opportunities.

  • Bonus benefits including well-being programs and incentives, parental leave,anemployee stock purchase plan, military benefits and much more.

  • Personal banking, loan, investmentand insurance benefits.

Associated Bank serves more than 120 communities throughout Wisconsin, Illinois and Minnesota and we consider our colleagues critical to our continued success. See why our colleagues continually vote us a best place to work in the Midwest.Join our community onFacebook,LinkedInandX.

Compliance Statement

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.

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 Associated Bank's anonymous Ethics Hotline.

Associated Bank provides additional assistance throughout the application, interview and hiring process. Please contactleavesandaccommodations@associatedbank.comif you need an accommodation at any time during the process.

Associated Banc-Corp is an Affirmative Action andEqual Opportunity Employer. Associated Banc-Corp participates in the E-Verify Program. E-Verify NoticeEnglish or Spanish. Know Your Right to WorkEnglishorSpanish.

Associated Bank isPay Transparencycompliant.

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