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The money is good in an LO position, but they pay poorly to everyone else. Toxic culture. Egos run this company. They don't value people, but. Why Mountain America? Rewards checking that's MyStyle. Get the rewards, loan rate discounts and built-in fraud protection you deserve with MyStyle Checking—. FirstBank's history of success is grounded in our fresh approach to banking that is more local, more accessible and more empowering.

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Investment products and services provided by Arvest Investments, Inc., doing business as Arvest Wealth Management, member FINRA/SIPC, an SEC registered investment adviser and a subsidiary of Arvest Bank. Securities offered and cleared through Pershing LLC, a BNY Mellon company, member NYSE/SIPC. Insurance products made available through Arvest Insurance, Inc., which is registered as an insurance agency. Insurance products are marketed through Arvest Insurance, Inc., but are underwritten by unaffiliated insurance companies.
The Investment Management Group (IMG) is comprised of Arvest Wealth Management registered investment adviser representatives who provide portfolio management services with respect to certain of Arvest Wealth Management's investment advisory wrap fee programs.
Trust services provided by Arvest Bank.

Источник: https://www.arvest.com/

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Get rewarded for your loyalty.

If you have an existing U.S. Bank first mortgage or a U.S. Bank Personal Checking Package, you may be eligible for a customer credit4 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.5 This offer is not valid on a Smart Refinance.

See your potential savings

Explore articles about home improvement tips and smart ways to spend your money.

It is possible to refinance your mortgage without closing costs. These loans are generally referred to as no-cost refinance loans, where lenders cover the fees typically associated with closing costs. Our Smart Refinance loan is an option that could help you save on your refinance.

Refinance points are similar to standard mortgage points. They are a form of prepaid interest you can choose to pay up front in exchange for a lower rate.

When you refinance, you apply for a new mortgage to pay off your current one. Most people refinance to take advantage of lower rates, get lower monthly payments or tap into their home’s equity.

Источник: https://www.usbank.com/home-loans/refinance.html

Home Ownership Begins With Us

Having trouble signing onto online banking, mortgage payments, or bill pay? View our troubleshooting guide.

Download PDF

Low Costs, Low Rates, Big Dreams.
Let US make home ownership a reality for you.

Low Cost Home Mortgages are Right Around the Corner

At Union Savings Bank, we believe in making mortgages as affordable as possible. We promise our customers a low-cost loan with a low rate and fast approval. It’s simply what we do and what we’re known for. Call, click, or visit the Union Savings Bank in your community to experience our personal, local service for yourself. Your first step to a home mortgage begins with our easy pre-qualification process.

Get pre-qualified for a mortgage

Ready to apply for a home mortgage? Get pre-qualified now

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“Mark spent a lot of time discussing various financing options in detail with me, and his team worked hard to accommodate our closing schedule, which had to be worked around a business trip. There was great communication throughout the entire process. Would definitely recommend!”

C.J.

Account holder since 2011

“Other than collecting the required information needed, I barely had to lift a finger and he walked me through the process. I also have to rave about the cost. I worked for a large bank and wasn’t really expecting that USB could beat my employee discounts………I was wrong.”

J.S.

Account holder since 2015

“Union Savings suggested a creative mortgage product to meet our financing needs. Not sure it would have been possible to have this custom approach with many other lenders who focus more on volume than service.”

J.D.

Account holder since 2017

Honest, Personal, Local Banking

As a community bank, we give all of our customers’ local and personal service, not just with our mortgages, but all of their personal banking needs as well. Whether you’re looking for a checking account for your family, a savings account for your child, or a CD with a great rate, we have what you need

Bank with USB

If you like personalized, local banking service, open an account with us.

Learn More

Proudly Serving Ohio, Indiana, Kentucky, and Pennsylvania

As a community bank, Union Savings Bank gives our customers local and personal service in everything we do. Customers choose USB for our low-cost mortgage loans. They stay for their personal banking needs and our expertise and neighborly advice. Our confidence in our people and products will open doors to financial success for you and your family.

Home Ownership and Financial Strength Begins with US.

Find a Branch/ATM

© 2021 Union Savings Bank. All Rights Reserved

You have clicked an external link and are leaving the Union Savings Bank website. Linked webpages are not under the control of Union Savings Bank, its affiliates or subsidiaries.

You are now being redirected to

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Источник: https://usavingsbank.com/

Loan Officers

What Loan Officers Do About this section

Loan officers

Consumer loan officers specialize in loans to people, such as loans for buying cars or paying for college tuition.

Loan officers evaluate, authorize, or recommend approval of applications for personal and business loans.

Duties

Loan officers typically do the following:

  • Contact businesses or people to ask if they need a loan
  • Talk with loan applicants to gather information and answer questions
  • Explain to applicants the different types of loans and the terms of each type
  • Obtain, verify, and analyze applicants’ financial information, such as credit rating and income
  • Review loan agreements to ensure that they comply with federal and state regulations
  • Approve loan applications or refer them to management for a decision

Loan officers use a process called underwriting to assess whether applicants qualify for loans. After collecting and verifying all the required financial documents, loan officers evaluate the information to determine an applicant’s need for a loan and ability to repay it. Most firms use underwriting software, which produces a loan recommendation based on the applicant’s financial status. Loan officers review the software output together with the evaluation of an applicant’s financial information to make a final decision.

The work of loan officers has customer-service and sales components. For example, loan officers often answer questions and guide customers through the application process. In addition, many loan officers market the products and services of their lending institution and actively solicit new business.

The following are common types of loan officers:

Commercial loan officers specialize in loans to businesses, which often use the loans to buy supplies and to upgrade or expand operations. Commercial loans frequently are larger and more complicated than other types of loans. Some commercial loans are so large and complex that no single bank will provide the entire amount requested. In such cases, loan officers may have to work with multiple banks to put together a package of loans.

Consumer loan officers specialize in loans to people for a variety of uses, such as buying a car or paying college tuition. For simple consumer loans, the underwriting process may be fully automated. However, the loan officer still guides applicants through the process. Some institutions—usually small banks and credit unions—rely on loan officers to complete the underwriting process instead of using underwriting software.

Mortgage loan officers specialize in loans that are used to buy real estate (property and buildings). Mortgage loan officers work on loans for both business and residential purchases. Often, these officers seek out clients, which requires them to develop relationships with real estate companies and other sources that can refer prospective borrowers.

Within these three fields, some loan officers specialize in a particular part of the loan process:

Loan collection officers contact borrowers who fail to make payments. They work with borrowers to help them find a way to keep paying off the loan. If the borrower continues to miss payments on secured loans—those involving collateral, such as a home or a car, that the borrower uses to secure the loan—these officers start the process of taking away the asset and selling it to repay the loan.

Loan underwriters specialize in evaluating whether a client is creditworthy. Underwriters collect, verify, and evaluate the financial information that clients provide on their loan applications and then use loan underwriting software to produce recommendations.

Источник: https://www.bls.gov/ooh/business-and-financial/loan-officers.htm

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We're proud to announce that we've been named a Top Workplace by the Chicago Tribune! We're thrilled to have been included and thankful to our employees, who made this happen!

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Download your free prequalification letter online today!

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Apply for a Health Savings Account 

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Источник: https://www.firstambank.com/

Welcome to Arvest

Investments and Insurance Products: Not a Deposit

What Does a Loan Officer Do?

Loan officers work at banks, credit unions, or other financial institutions assisting customers in applying for loans and assessing their creditworthiness through a process called underwriting, where they agree to take on the financial risk for a fee. They determine the type and amount of loan that is most suitable for their customers' needs.

Loan officers tend to specialize in one of three major types of lending: commercial, consumer, or mortgage. Commercial lending is the extension of credit to businesses. Consumer lending includes personal loans, education loans, home equity loans, and auto loans. Mortgage lending includes loans for the purchase of real estate by individuals⁠—a business normally would be served by a commercial loan officer, even for real estate purchases⁠—or the refinancing of existing mortgages.

Loan Officer Duties and Responsibilities

This job generally requires the ability to do the following work:

  • Meet with loan applicants to gather personal information and answer questions to evaluate their loan application and risk
  • Explain to applicants the types and terms of each loan to determine a loan that is suitable for their specific needs
  • Track and maintain credit and loan information
  • Seek out new clients by contacting companies and people
  • Work with existing clients to strengthen relationships, encourage referrals, and enhance your reputation among others seeking loans
  • Work with borrowers who fail to make their loan payments on time
  • Use loan underwriting software to make recommendations to customers

The majority of loan officer positions combine sales with analytic responsibilities, selling loans while determining appropriate clients and terms. Some positions are focused largely on the analytics, with no sales dimension and limited client contact. People in these types of jobs are sometimes called loan underwriters.

Other positions specialize in dealing with clients who are having problems meeting their payments. One example is a loan collection officer, who tries to work out agreements with troubled borrowers by adjusting the repayment terms.

In assessing the creditworthiness of loan applicants, loan officers judge customers' suitability as borrowers and the precise terms of the loan, such as interest rate and repayment schedule, on which credit may be granted. Depending on their position, a loan officer may be expected to actively seek out clients, rather than passively wait for applicants to approach their business for credit.

Loan Officer Salary

A loan officer's salary may vary based on their level of experience, area of concentration, and education, according to 2018 data from the U.S. Bureau of Labor Statistics:

  • Median Annual Salary: $63,040 ($30.31/hour)
  • Top 10% Annual Salary: $132,080 ($63.50/hour)
  • Bottom 10% Annual Salary: $31,870 ($15.32/hour)

Compensation schemes vary by employer, with varying mixtures of salary and commission. Where commissions are paid, they normally reflect the number or value of loans originated. The highest pay packages tend to be commission-based and at large institutions. If the compensation scheme is largely commission-based, there is a close correlation between performance and reward, with high earnings potential.

Education, Training, and Certification

This career requires the following degrees, experience, and licenses:

  • Academia: A bachelor's degree usually in a field such as business or finance is generally required. Coursework may include finance, accounting, or economics. A master's degree can make you a stronger candidate for hire, depending on the firm. Also, to be a commercial loan officer, you will need to analyze the finances of businesses applying for credit. Therefore, this position requires a solid understanding of general business accounting, including how to read financial statements.
  • Certification: Most loan officer positions do not require any special certification or licensing. However, a notable exception is mortgage lending. Most states regulate this field, especially regarding positions in mortgage banks or mortgage brokerages, rather than in traditional banks or credit unions. To obtain a mortgage loan originator (MLO) license, applicants must complete at least 20 hours of coursework, pass an exam, and submit to background and credit checks. The American Bankers Association and the Mortgage Bankers Association, as well as a number of schools, offer courses, training programs, or certifications for loan officers. Although not required, certification shows dedication and expertise and may increase a candidate's chances of gaining employment.
  • Training: Loan officers usually receive some on-the-job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job.

Loan Officer Skills and Competencies

This position generally requires the following skills:

  • Quantitative skills: Understanding mathematical and numerical data, which is important when working with numbers to determine a loan
  • Good judge of character: Making accurate assessments about people, especially their credibility and their reliability, in determining a loan
  • Interpersonal skills: Cultivating and strengthening existing customer relationships, as well as selling loans to new customers
  • Verbal and written communication: Explaining loans to customers so they have a complete understanding of the terms
  • Independence: Working independently if you have a large degree of professional autonomy
  • Decision-making skills: Evaluating a customer's loan application and determining whether to award them a loan
  • Mental stamina: Rejecting loan applicants who do not meet the institutions lending criteria or deal with clients who cannot repay their loans as agreed

Job Outlook

According to the U.S. Bureau of Labor Statistics, employment of loan officers is expected to continue to grow 11% through 2026, faster than the average for all occupations. Although the demand for loan officers will increase as the overall economy grows, the decline of bank branches may moderate employment growth.

Work Environment

A consumer loan officer is most likely to work set hours from a fixed location, such as a bank us bank loan officer or office. A commercial or mortgage loan officer often has to work variable hours to confer with clients at the latter's places of work or residence, and thus spend significant time out of the office and on the road.

Work Schedule

The majority of people in loan officer jobs tend to work a standard 40-hour week. However, commercial or mortgage loan officer hours vary, as they may need to travel to client locations, which may require working at odd hours.

How to Get the Job

Apply

Check out popular job boards such as iHireBanking, Glassdoor, and ZipRecruiter. In addition, also visit local financial institution websites to learn about their career opportunities.

Network

Join an organization such as the National Association of Mortgage Brokers (NAMB) or the American Bankers Association (ABA) to meet other industry members and stay current on industry practices. Memberships to these organizations can also lead to job opportunities.

Comparing Similar Jobs

If you are interested in a career as a loan officer, review these similar positions, along with their median annual salary:

Source: U.S. Bureau of Labor Statistics, 2018

Источник: https://www.thebalancecareers.com/loan-officer-careers-1286762

Loan Officers

What Loan Officers Do About this section

Loan officers

Consumer loan officers specialize in loans to people, such as loans for buying cars or paying for college tuition.

Loan officers evaluate, authorize, or recommend approval of applications for personal and business loans.

Duties

Loan officers typically do the following:

  • Contact businesses or people to ask if they need a loan
  • Talk with loan applicants to gather information and answer questions
  • Explain to applicants the different types of loans and the terms of each type
  • Obtain, verify, and analyze applicants’ financial information, such as credit rating and income
  • Review loan agreements to ensure that they comply with federal and state regulations
  • Approve loan applications or refer them to management for a decision

Loan officers use a process called underwriting to assess whether applicants qualify for loans. After collecting and verifying all the required financial documents, loan officers evaluate the information to determine an applicant’s need for a loan and ability to repay it. Most firms use underwriting software, which produces a loan recommendation based on the applicant’s financial status. Loan officers review the software output together with the evaluation of an applicant’s financial information to make a final decision.

The work of loan officers has customer-service and sales components. For example, loan officers often answer questions us bank loan officer guide customers through the application process. In addition, many loan officers market the products and services of their lending institution and actively solicit new business.

The following are common types of loan officers:

Commercial loan officers specialize in loans to businesses, which often use the loans to buy supplies and to upgrade or expand operations. Commercial loans frequently are larger and more complicated than other types of loans. Some commercial loans are so large and complex that no single bank will provide the entire amount requested. In such cases, loan officers may have to work with multiple banks to put together a package of loans.

Consumer loan officers specialize in loans to people for a variety of uses, such as buying a car or paying college tuition. For simple consumer loans, the underwriting process may be fully automated. However, the loan officer still guides applicants through the process. Some institutions—usually small banks and credit unions—rely on loan officers to complete the underwriting process instead of using underwriting software.

Mortgage loan officers specialize in loans that are used to buy real estate (property and buildings). Mortgage loan officers work on loans for both business and residential purchases. Often, these officers seek out clients, which requires them to develop relationships with real estate companies and other sources that can refer prospective borrowers.

Within these three fields, some loan officers specialize in a particular part of the loan process:

Loan collection officers contact borrowers who fail to make payments. They work with borrowers to help them find a way to keep paying off the loan. If the borrower continues to miss payments on secured loans—those involving collateral, such as us bank loan officer home or a car, that the borrower us bank loan officer to secure the loan—these officers start the process of taking away the asset and selling it to repay the loan.

Loan underwriters specialize in evaluating whether a client is creditworthy. Underwriters collect, verify, and evaluate the financial information that clients provide on their loan applications and then use loan underwriting software to produce recommendations.

Источник: https://www.bls.gov/ooh/business-and-financial/loan-officers.htm
Not Guaranteed by the Bank or its Affiliates May Go Down in Value

Investment products and services provided by Arvest Investments, Inc., doing business as Arvest Wealth Management, member FINRA/SIPC, an Us bank loan officer registered investment adviser and a subsidiary of Arvest Bank. Securities offered and cleared us bank loan officer Pershing LLC, a BNY Mellon company, member NYSE/SIPC. Insurance products made available through Arvest Insurance, Inc., which is registered as an insurance agency. Insurance products are marketed through Arvest Insurance, Inc., but are underwritten by unaffiliated insurance companies.
The Investment Management Group (IMG) is comprised of Arvest Wealth Management registered investment adviser representatives who provide portfolio management services with respect to certain of Arvest Wealth Management's investment advisory wrap fee programs.
Trust services provided by Arvest Bank.

Источник: https://www.arvest.com/

Skip to main content

Get rewarded for your loyalty.

If you have an existing U.S. Bank first mortgage or a U.S. Bank Personal Checking Package, you may be eligible for a customer credit4 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.5 This offer is not valid on a Smart Refinance.

See your potential savings

Explore articles about home improvement tips and smart ways to spend your money.

It is possible to refinance your mortgage without closing costs. These loans are generally referred to as no-cost refinance loans, where lenders cover the fees typically associated with closing costs. Our Smart Refinance loan is an option that could help you save on your refinance.

Refinance points are similar to standard mortgage points. They are a form of prepaid interest you can choose to pay up front in exchange us bank loan officer a lower rate.

When you refinance, you apply for a new mortgage to pay off your current one. Most people refinance to take advantage of lower rates, get lower monthly payments or tap into their home’s equity.

Источник: https://www.usbank.com/home-loans/refinance.html

Home Ownership Begins With Us

Having trouble signing onto online banking, mortgage payments, or bill pay? View our troubleshooting guide.

Download PDF

Low Costs, Low Rates, Big Dreams.
Let US make home ownership a reality for you.

Low Cost Home Mortgages are Right Around the Corner

At Union Savings Bank, we believe in making mortgages as affordable as possible. We promise our customers a low-cost loan with a low rate and fast approval. It’s simply what we do and what we’re known for. Call, click, or visit the Union Savings Bank in your community to experience our personal, local service for yourself. Your first step to a home mortgage begins with our easy pre-qualification process.

Get pre-qualified for a mortgage

Ready capital one bank prepaid credit cards apply for a home mortgage? Get pre-qualified now

Learn More

“Mark spent a lot of time discussing various financing options in detail with me, and his team worked hard to accommodate our closing schedule, which had to be worked around a business trip. There housing finance interest rates great communication throughout the entire process. Would definitely recommend!”

C.J.

Account holder since 2011

“Other than collecting the required information needed, I barely had to lift a finger and he walked me through the process. I also have to rave about the cost. I worked for costco cash card rebate large bank and wasn’t really expecting that USB could beat my employee discounts………I was wrong.”

J.S.

Account holder since 2015

“Union Savings suggested a creative mortgage product to meet our financing needs. Not sure it would have been possible to have this custom approach with many other lenders who focus more on volume than service.”

J.D.

Account holder since 2017

Honest, Personal, Local Banking

As a us bank loan officer bank, we give all of our customers’ local and personal service, not just with our mortgages, but all of their personal banking needs as well. Whether you’re looking for a checking account for your family, a savings account for your child, us bank loan officer a CD with a great rate, we have what you need

Bank with USB

If you like personalized, local banking service, open an account with us.

Learn More

Proudly Serving Ohio, Indiana, Kentucky, and Pennsylvania

As a community bank, Union Savings Bank gives our customers local and personal service in everything we do. Customers choose USB for our low-cost mortgage loans. They stay for their personal banking needs and our expertise and neighborly advice. Our confidence in our people and products will open doors to financial success for you and your family.

Home Ownership and Financial Strength Begins with US.

Find a Branch/ATM

© 2021 Union Savings Bank. All Rights Reserved

You have clicked an external link and are leaving the Union Savings Bank website. Linked webpages are not under the control of Union Savings Bank, its affiliates or subsidiaries.

You are now being redirected to

URL
Источник: https://usavingsbank.com/
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  • Reaching your personal savings goals

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    Learn More

    Enterprising Student Savings

    An interest bearing account for those 23 and under

    Learn More

    Money Market Checking Accounts

    Earn interest and have occasional access to your funds.

    Learn more
  • Financing designed to help your business thrive

    Financing can be critical to the success of your business. Us bank loan officer offer a suite of business lending solutions tailored to meet your needs.

    Learn More

    Commercial Mortgage

    Acquire retail space, office buildings and industrial property.

    Learn More

    Cash Management Solutions

    Maximize cash flow to stay a step ahead of your competition.

    Learn More
  • Services for individuals and families

    We offer peace of mind as we help build and preserve your wealth.

    Learn More

    Estate Planning & Trusts

    We'll help you design a sound, well-considered plan.

    Learn More

    Businesses & Non-Profits

    Guidance and strategies for your organization's long-term success.

    Learn More

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Get up to $100,000 in quick working capital

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A Top Place To Work - For 10 Straight Years

Enterprise Bank has been recognized by the Boston Globe for the 10th consecutive year as one of the Top Places to Work among large-sized companies.

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Enterprise Bank sponsors annual Coats for Kids™ Drive

Now through January 8, 2022, Enterprise Bank is collecting winter outerwear for families throughout our region as a corporate partner with Jordan’s Furniture and Anton’s Cleaners and the annual Coats for Kids™ Drive.

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Enterprise Bank recognized by NHBFA

Enterprise Bank was recognized by NHBFA as their Veteran Lender of the Year.

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Paycheck Protection Program (PPP) Updates

Latest Update, 11/5/21: BOOKMARK THIS PAGE FOR UPDATED RESOURCES, LINKS, AND INFORMATION.

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Leaving Site Confirmation

Источник: https://www.enterprisebanking.com/

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  1. Sar main loan lena chahta hun main mobile number bhej raha hun apni formation puri bata dijiye main loan lena chahta hun

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