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Cedar Valley Bank & Trust

Real Estate Loan Officer

Pay: Not specified

Posted: 4 days ago

Location: Vinton, IA (Onsite)

Last Updated: 17 hours ago

Hours: Full-Time

Expires: 10/12/2026

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Based on Iowa data

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What they do

A Loan Officer assists customers who apply for loans, and solicits loan applications on behalf of a bank, mortgage broker or other lender. Markets products and provides information on types of loans available, gathers financial and credit information needed to evaluate loan applications; guides the application and approval process. May specialize in loans to businesses or individuals, or in loans to buy real estate.

$88,171 / year median in Iowa

-22% projected decline

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Job Description

Cedar Valley Bank & Trust is seeking a full-time Real Estate Loan Officer primarily focused on the Vinton, IA market. The Real Estate Loan Officer is responsible for evaluating day-to-day lending needs, gathering and reviewing appropriate documentation, analyzing creditworthiness, and making prudent, well-supported lending decisions consistent with Bank policy, regulatory expectations, and approved lending authority. In addition, it is the responsibility of the Real Estate Loan Officer to make each customer feel safe, welcome, and valued as an individual by providing outstanding customer service, creating lending product packages that appropriately meet customer needs, and answering questions in a friendly and educational manner. Responsibilities

Administer Loan Applications including, but not limited to: Mortgage Home Equity Lines of Credit Construction Loans Consumer Loans
Make lending decisions (Approve/Deny/Counteroffer) up to approved limit
Obtain proper documentation to support lending decision
Present Loan Applications to Loan Committee when over approval limit
Contact customers in the event of past due loans and obtain payment Repossess collateral if applicable
Force place Insurances when applicable
Complete Customer CIP Profiles
Complete required Compliance forms/documents as needed by loan type
Ensure Cedar Valley's Investment is protected (Insurance in place if applicable)
Conduct Site Visits
Answer telephone
Answer customer questions
Other duties as assigned
Develop contacts with realtors, developers and builders to encourage use of bank services for residential mortgages. Provide market data, rate flyers, and general loan information to the real estate community as directed. Requirements for the position include the following:
High School Diploma or GED. Bachelor's Degree in Business or Finance preferred.
Two or more years of experience in Real Estate/Consumer Lending. Must have valid Driver's license and clean driving record.
Strong verbal and written communication, interpersonal skills.

Salary commensurate upon experience and full benefits package offered.

Job Type:

Full-time Expected hours: 40.0 per week

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Vision insurance