First Mid · 3 months ago
CRA Mortgage Loan Officer
St Louis, MO
Full-time
Onsite
Mid LevelFirst Mid Bancshares, Inc. is seeking a CRA Mortgage Loan Officer responsible for producing a high volume of quality consumer real estate loans with a focus on CRA lending activities. The role includes community outreach, managing loan applications, and promoting home ownership in low to moderate income areas.
BankingFinanceFinancial ServicesInsurancePersonal FinanceWealth Management
Responsibilities
Interviews loan applicants explaining various loan options, rates, terms, and collateral requirements to select the program that best fits their financial goals and needs
Gather the required supporting information to provide a complete application
Manage pipeline from origination through closing
Works closely with the processor and underwriter to address any underwriting issues timely to achieve a timely loan closing
Conducts loan closings. Ensures all documents are appropriately signed and all underwriting conditions are met. When necessary, takes all steps necessary to perfect the Bank’s lien position
Self-source loans through established referral partners, community organizations, housing agencies, local business leaders, realtors, and other referral sources
Promote home ownership focusing on properties located in LMI & MMA census tracts
Coordinate and conduct home-buying training seminars for potential CRA and multicultural origination mortgage applicants
Partner with community, non-profit and government agencies focused on affordable housing programs or minority communities
Disburse funds on construction and home improvements loans in accordance with Bank guidelines
Manages individual loan portfolio
Maintains the asset quality of individual lending portfolio. Reviews delinquency reports and perform routine follow up with past due customers. When necessary, works with Bank’s Special Assets Department in coordinating collection efforts
Consistently achieves volume and/or unit production targets
Cross-sell bank products and services in a professional manner
Completed required training associated with job function
Performs other related duties as assigned
MLOs are expected to be accessible to clients and referral partners outside of standard business hours, including evenings and weekends as necessary
Generates regular tracking reports for management with detailed CRA activity
Qualification
Required
Bachelor's degree or equivalent with additional specialized training in mortgage lending and/or CRA activities
Must register and maintain a status in good standing under the SAFE Act requirements
Thorough knowledge of Company's products and services
High level of interpersonal skills to interact with customers and potential customers in a professional manner
High level of analytical skills to conduct loan analysis and maintain loan's progress in consideration of market trends, credit/interest rates, economic conditions, and other factors
Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations
The individual must illustrate the ability to multitask and to prioritize issues that arise
Benefits
Comprehensive healthcare
Well-being benefits
Paid family leave
Generous paid time off
Banking perks
Tuition reimbursement
Employee Stock Purchase Plan
401K plan with company match
Company
First Mid
First Mid Bancshares, Inc. is a community-focused organization headquartered in Mattoon, Illinois.
Founded in 1865
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$1.11M2021-05-10Undisclosed· $1.11M
Leadership Team
CLAY M. DEAN
CEO First Mid Insurance Group
Joseph Dively
Chairman and CEO
Recent News
2026-01-03
First Mid Bancshares, Inc.
2025-10-31
First Mid Bancshares, Inc.
2025-10-31
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