Midwest BankCentre is proud to be recognized as one of St. Louis’ Top Workplaces for four consecutive years! 
 

Are you ready to lead with purpose and make a real impact on our community? Join Our Team and Make a Difference at Midwest BankCentre!
 

Why Midwest BankCentre? Our company culture is all about engagement and collaboration with our teams. We value diversity, inclusion, and innovation. When you join Midwest BankCentre, you're not just joining a company; you're joining a community of like-minded individuals who are dedicated to making a positive impact.

We are committed to making meaningful, long-term investments in communities that lift everyone up so we can all RISE TOGETHER. Our commitment to shared prosperity, our investment in Community and Economic Development and our dedication to diversity and inclusion are reflected is the ways Midwest BankCentre lives its purpose.

Objectives of this Role

Provide effective and efficient support in all areas of mortgage operations to ensure optimized delivery of services. Effectively manage time to expertly meet the needs of the department while possessing a strong ability to pivot through multiple tasks for timely completion and little oversight of priorities.

• Prepare accurate mortgage closing packages pursuant to GSE, Government Entity, Investor or MI requirements while reviewing and clearing all underwriting closing conditions.

• Fund mortgage loan by utilizing internal funding procedures
• Manage lock desk, including expirations and re-disclosure requests, quickly and efficiently to maintain pricing.

• Perform pre-closing and post-closing quality control reviews audits monthly.

• Responsible for timely delivery of notes to investors for sale of mortgage loans.
• Scan and upload signed packages from LOs or title companies as needed. 
• Assist processing/operations department as needed.
• Maintain compliance with internal and external loan policies and regulations

Essential Functions

• Knowledge and/or ability to research applicable state requirements.
• Prepare and balance final figures with closing agent
• Satisfactory preparation of loan documents to meet all federal, state, secondary market and in-house underwriting and compliance guidelines
• Prepare mortgage file and submit to closing in a timely manner to remain compliant with TRID guidelines.
• Determine necessary documents for mortgage file, including collateral and regulatory documents
• Determine the validity and completeness of mortgage application and processing documents
• Verifying the completion and accuracy of all mortgage lock requests based on the investor/product and advise on any pricing deficiencies.
• Uploading and Clearing files for pre and post- closing audits in a timely manner.
• Ability to back up all areas of operations

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities are as required and may change at any time with or without notice.

Competencies

• Customer Centric Focus
• Diversity and Inclusion
• Act with Integrity
• Collaboration and Teamwork
• Results Oriented/Execution
• Business Acumen
• Understands and accepts the sense of urgency and time flexibility required in the mortgage department.

Skills and Qualifications

• High school diploma or equivalent
• Basic math and computer skills
• Excellent communication, customer service, and time management skills
• Ability to pass a background check
• Strong dedication to accuracy and efficiency
• Minimum of 1-3 years in the mortgage industry
• Ability to work independently and as a team.
• Ability to work in a fast-paced, ever changing environment
• Ability to handle high volume and high stress workloads

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 

While performing the duties of this job, the employee is regularly required to talk or hear. This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary.  

Ready to Make Your Mark? If you're passionate about banking with a purpose and ready to take the next step in your career, we want to hear from you! This is an excellent opportunity for individuals with commercial credit experience who are eager to contribute to our community-focused mission.

Why Join Us:

• Community Focus: Be part of a community bank that values and actively supports the St. Louis area.
• Competitive Compensation: We offer a comprehensive salary and benefits package.
• Professional Growth: Opportunities for continuous learning and development.
• Impactful Work: Play a key role in shaping the credit strategy and success of our organization.
• Collaborative Culture: Work in a supportive and dynamic environment that values teamwork and innovation.

Don’t meet every single requirement? Studies have shown that women and people of color are less likely to apply for jobs unless they meet every listed qualification. Midwest BankCentre is recognized nationally for its Diversity, Equity, and Inclusion practices and embraces these practices as a competitive advantage.

If you’re excited about this role but your experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be the right candidate for this or other Midwest BankCentre roles!

AAP/EEO Statement

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

We thank all applicants in advance for their interest in this position and Midwest BankCentre. Only applicants selected for an interview will be contacted.