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<h3>Job Description</h3>
Job Description
First State Bank is seeking an experienced Mortgage Loan Officer. If you have Mortgage Lending experience then you may be a great fit! 
Full Time benefits will apply, including; medical, dental and vision insurance, 401k, ESOP and more!
 
Duties and Responsibilities:
The Mortgage Loan Officer will combine all the attributes of a progressive mortgage banker with the values and services of a local, hometown community lender. Mortgage Loan Officers will perform all duties required of a Mortgage Loan Officer by following policies and procedures set forth by First State Bank, including, but not limited to:
<ul>
<li>Require a diverse set of products, services and technology to compete and win in an increasingly competitive environment.</li>
<li>Understand and offer a variety of loans including; FHA,VA, Rural Housing, MHDC, Non-Conforming Loans, FNMA and FHLMC, Portfolio loans, Bridge Loans and Home Equity Lines of Credit. </li>
<li>Approach their business with confidence to help them succeed.</li>
</ul>

In addition, local processing and underwriting provide consistent and timely support to our originators. Voted the #1 Lender, Bank and Employer in St. Charles from 2009 through 2014, 2017, First State Bank is a destination for any lender looking to grow their business.

Qualifications:
<ul>
<li>Bachelor’s degree from a four year college or university preferred.</li>
<li>5 years as a Residential Mortgage Lender experience preferred.</li>
</ul>
 
For more information about First State Bank, please visit our Career’s Page on our company website <a href="https://fsbfinancial.com/careers/" target="_blank">https://fsbfinancial.com/careers/</a>.
As a condition of employment, all new hires will be required to complete a background check and drug testing.
First State Bank is an Equal Opportunity Employer, including protected veterans and individuals with disabilities.

Mortgage Loan Officer

<h3>Job Description</h3>
Job Description
Actively seeking a Commercial Real Estate Loan Officer to solicit new CRE loan business through a network of brokers, business owners, and investors.

RESPONSIBILITIES : 
<ul>
<li>Will solicit and coordinate the closing of commercial loans; responsible for commercial loan business development and to act as the bank’s contact with commercial loan clients, brokers, and contractors.</li>
<li>Will provide guidance to potential developers relating to partnership agreements, collateral, feasibility studies, and vacancy rate factors, if applicable.</li>
<li>Will provide service to prospective commercial loan customers and interview applicants to develop information concerning their needs, credit, stability, earnings, and potential income to the property to assist in determining whether the commercial loan package will be an acceptable risk.</li>
<li>Will obtain and analyze pertinent financial and credit data on all partners involved in the project; will arrange for the appraisal of the property and/or feasibility study of bare land to be developed.</li>
<li>Will review commercial loan packages for completeness of documents and compliance with bank policy, regulatory requirements, and secondary market lending parameters.</li>
<li>Responsible for notification of commercial loan applicant(s) of all requests, which do not conform to current lending guidelines.</li>
<li>Will be responsible for maintaining a high level of working knowledge relating to all types of commercial loans.</li>
<li>Will maintain all financial/loan data in confidence.</li>
</ul>

Job Requirements
<ul>
<li>Bachelor's degree or equivalent work experience</li>
<li>Five or more years of commercial real estate lending experience</li>
<li>Fluent in the principles of CRE underwriting</li>
<li>In depth understanding of occupancy and rent trends in local markets</li>
<li>Comfortable with technology supporting sales management, marketing, pricing, initial underwriting, pipeline management and loan performance tracking</li>
<li>Familiar with loan products and pricing of local competitors</li>
</ul>

For further consideration towards this and/or other opportunities please inquire confidentially to <a href="mailto:mike@scsacramento.com" target="_blank">mike@scsacramento.com</a> or call 916-850-2437. All inquiries held in strict confidence. Thank you for your interest.

Commercial Real Estate Loan Officer

<h3>Job Description</h3>
Job DescriptionActively seeking an experienced commercial lender to join a team of successful professionals who will collectively develop creative financing solutions to resolve complex and often unique issues for local businesses with revenues $20MM-1billion. The successful candidate will solicit the sale of bank services to businesses. Other duties and responsibilities include collecting and analyzing financial data to determine the creditworthiness of the prospect. Provide secured financing solutions in support of working capital growth, acquisitions and debt restructuring for your new and existing clients with the goal of generating income and enhancing the Bank's overall profitability. With the assistance of the credit team, you will establish and negotiate terms under which credit will be extended, including costs, repayment method and collateral requirements. Prospecting and maintaining dialogues with sponsor groups, financial intermediaries, businesses, accountants, attorneys and other centers of influence. Develop and maintain a direct calling database of prospects.Job Requirements
<ul>
<li>7+ years of commercial lending experience</li>
<li>Bachelor's degree: Finance, Accounting, Economics, Marketing (preferred)</li>
<li>Strong understanding of commercial depository services</li>
<li>Excellent credit skills and general familiarity with commercial documentation</li>
<li>Established book of business required</li>
</ul>
For further consideration towards this and/or other opportunities please inquire confidentially to <a href="mailto:mike@scsacramento.com" target="_blank">mike@scsacramento.com</a> or call 916-850-2437. All inquiries held in strict confidence. Thank you for your interest.

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