VP Lending

At United Community Bank, we help customers reach their dreams of becoming homeowners every day. We are searching for a qualified VP of Mortgage Lending to guide customers through our mortgage application process. This position is in-bank and will be located in Springfield, IL. The officer will examine, evaluate and recommend approval of customer applications for consumer and mortgage loans.

Objectives of this role

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  • Help qualified borrowers successfully obtain mortgages
  • Educate customers on mortgage rules and regulations, interest rates, and the application process
  • Advise customers, ensuring each is paired with a mortgage that best meets their needs
  • Work as a cohesive team with loan processors and underwriters, collecting all documentation and information they need to process applications
  • Ensure all deadlines are met, addressing and resolving all application issues in a timely manner
  • Create positive, lasting relationships with our clients and build a referral network
  
  
  
  

Responsibilities

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  • Meet with potential customers to evaluate their financial background and homeownership goals
  • Recommend the mortgage plans that best align with customers' backgrounds and needs, drawing on research and personal expertise
  • Collect the financial documents and information needed to complete a mortgage application, performing research and conducting interviews as needed, and ensure that all information is complete and accurate
  • Resolve any application issues
  • Keep an open line of communication with applicants throughout the process, providing updates and answering any questions that arise
  • Inform customers when their applications have been approved or denied
  
  
  
  

Skills and qualifications

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  • Excellent communication skills, both verbal and written
  • Enthusiasm for providing customers with the best possible service
  • Understanding of legal regulations as they pertain to mortgages
  • Ability to make sound mortgage recommendations based on research, personal expertise, and customers' financial backgrounds
  • Ability to work collaboratively with loan processors and underwriters
  • Ability to handle sensitive and/or confidential information professionally and discreetly
  • Maintain familiarity with the Bank Secrecy Act Policy, OFAC Policy, Loan Policy, CIP Policy and any other policies relevant to this position.
  
  
  
  

Preferred qualifications

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  • Background in finance or accounting
  • Mortgage loan originator license
  • Prior banking experience
  • Laser Pro and Encompass experience is preferred
  
  
  
  

Certificates, licenses, or registrations: NMLS Registry

Working Conditions: This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

• Ability to sit for up to eight hours
• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to lift files and open filing cabinets
• The employee may occasionally lift and/or move up to 25 pounds

Hourly range: 25.00+

A successful candidate's pay rate will be based on several factors including applicable experience, training and education.

UCB provides Health, Dental Vision, STD, LTD and Life Insurance benefits to all full-time employees. Please visit https://ucbbanks.com/careers for more information on UCB's complete benefit package.

April 1, 2025