Email Opening Apply Now Title Retail Lender  About the Organization Superior National Bank approaches every day with the philosophy that we 'Grow Your Future.' Our employees are instrumental in helping us achieve that goal. As an organization, we value the efforts of our employees as they strengthen our pillars of trust through the great work that they do. Each member of our team plays an integral role in supporting the overall success of the organization. We try to create a work environment that supports employee development and engagement by staffing our locations with honest, hard-working people who truly care about one another, their customers, and our community. If this describes a culture that appeals to you, we invite you to apply to join our team. Thank you for your interest in becoming a team member of Superior National Bank!   Tags customer service, lending, retail, mortgage, consumer, credit, processing, collections, goals, sales, banking   EOE Statement Superior National Bank is an equal opportunity employer that does not discriminate on the basis of race, religion, national origin, ancestry, age, color, sex, gender, gender identity, gender expression, physical or mental disability, medical condition, pregnancy, military or veteran status, marital status, sexual orientation, genetic information or other characteristic protected by applicable law. If you have a disability that impairs your ability to be considered, interviewed or tested for a position, please let us know what accommodations you may require.   Open Date 4/4/2025   Location Hancock   Description Department: Retail Lending Reports To: VP/Market Manager Supervises: None Last Updated: 04.2022 Summary: Grow a portfolio of residential real estate and consumer loans through superior service and relationship development. Consult with existing and prospective customers to meet lending needs. Identify opportunities for cross-sell of additional Bank products and services. Adhere to regulations and maintain up-to-date compliance understanding. Major Duties & Responsibilities: Originate residential real estate and consumer loans to meet bank and branch growth goals.  Manage existing loan portfolio, including service and collections. Drive loan growth through outbound prospecting and development of referral sources. Work with consumer and mortgage applicants to obtain information for loan applications and answer questions about the loan process. Present and clearly communicate loan options and terms to help borrowers make good financial decisions. Obtain, compile, and analyze financial, credit, and collateral information to support loan decisions. Develop and maintain expert knowledge of mortgage loan programs, including portfolio products, FNMA, FHLMC, FHA, VA, and USDA guidelines. Leverage technology to enhance customer experience and enhance efficiency. Approve loans within specified limits, and refer loan applications outside those limits for approval, based on the financial institution’s policies and procedures. Ability to present arguments for exception approval. Negotiate loan terms, such as costs, loan period, loan repayment methods, and collateral specifications, and inform borrowers of loan commitments. Review loan agreements to ensure that they are complete and accurate according to policy and regulations. Work with clients to identify their financial goals and consult on ways of reaching those goals; ability to cross-sell other bank products and services. Ability to consult with the customer to help make decisions that are right for the customer, acting as a financial advisor or credit counselor. Assist in identifying competition, trends, unfulfilled borrower needs, and potential lending opportunities. Understand and follow bank/department/government regulations, policies, and procedures, and participate in all compliance-related training. Other duties as assigned and/or necessary.   Education & Experience: NMLS Certification (may be obtained after hiring) Bachelor’s degree in business, finance, or related field preferred; or equivalent combination of education and experience. Four or more years of experience in a lending environment preferred. Experience with mortgage lending and regulatory changes since 2010 Dodd-Frank Act, including experience with TRID (Truth-in-Lending, Real Estate Settlement Procedures Act Integrated Disclosure) and all it encompasses.   Required Knowledge, Skills, & Abilties: Demonstrated ability to pursue and meet sales goals. Motivated self-starter with strong organizational skills and the ability to work independently and set priorities in a fast-paced environment. Demonstrated ability to network, build and cultivate strong relationships within the community to establish and maintain relationships with potential and existing customers. Strong attention to detail. Strong verbal and written communication skills. Strong analytical, critical thinking, problem solving, judgment and decision making skills. Strong negotiation and conflict/issue resolution skills. Proficient in the use of Microsoft Word and Excel. Ability to quickly grasp and adapt to changing applications and software.    Full-Time/Part-Time Full-Time   Number of Openings 1   Shift Days   Req Number RET-25-00007   Category Retail Lending   Hours per week 40   This position is currently accepting applications. Apply Now WE ALSO RECOMMEND Other Jobs Within Same Category -- None found -- Other Jobs Within 60 Miles Commercial Lender in Hancock, Michigan Posted on: 12/19/2025 [Apply Now] Loan Servicing Associate in Hancock, Michigan Posted on: 11/21/2025 [Apply Now] Treasury Management Operations Associate in Hancock, Michigan Posted on: 11/21/2025 [Apply Now]

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