Join Our Team

At Byron Bank, we understand what it takes to provide our customers with the level of service they expect and the solutions they need to help them achieve their financial goals. We recognize that our greatest asset is our employees and take great pride in hiring qualified individuals to complement our existing teams.

We offer an attractive benefit package that includes paid vacation and sick days; health, dental and life insurance; pet insurance and a 401k plan, etc.

We’re always eager to connect with talented individuals who share our commitment to exceptional service and community impact.

We encourage you to submit your resume and cover letter below. Even if you don't see a specific opening that matches your skills, we’ll keep your information on file and reach out if an opportunity arises.

BILINGUAL UNIVERSAL BANKER

Job Summary:

A Universal Banker with Byron Bank can help our customers with their new or existing account needs or their teller transaction. They process customer transactions, open accounts, and perform maintenance efficiently and accurately in person and by phone. They actively listen to customers and meet their needs by completing the transaction or referring them to another department. Provide outstanding customer service in person and over the phone handling customer visits from beginning to end.

Supervisory Responsibilities:

• None

Job Duties & Responsibilities:

• Open, close, and maintain new and existing checking, saving, certificate of deposit, individual retirement, health saving, and business accounts.
• Use active listening to cross sell products that best suit the customer’s needs.
• Answer customer service calls regarding account questions, password resets and online banking questions, debit card questions, etc.
• Open, close, maintain and help customers access safe deposit boxes.
• Process a variety of customer transactions including:
  • Processing checking and savings deposits, verifying contents being deposited for correct titling and having proper endorsements.
  • Processing checking and savings withdrawals, verifying withdrawals for proper titling and endorsements, obtaining, and documenting current identification, and verifying balances.
  • Processing loan, credit card, and real estate tax payments.
  • Completing transfers between accounts.
  • Issuing cashier checks, money orders, gift cards, and license stickers.
  • Process and log mail, night drop, and courier bags.
  • Watch for and identify counterfeit currency and fraudulent checks.
  • Complete password resets, debit card increases, and travel notices.
• Scan transactions and proof work for Retail and Loan departments.
• Read, understand, and follow Bank Secrecy Act (BSA) policy to include currency transaction reporting, monetary log reporting, and customer information program.
• Listen for opportunities to add additional products or services during transaction processing and refer to the corresponding department.
• Complete required training assigned by Compliance, Human Resources, or BSA departments.

Additional Duties & Responsibilities:

• Communicate through and answer phone and email messages before leaving for the day.
• Engage in conversations to address current and future needs of our customers.
• Follow bank policies and procedures.
• Balance teller window daily at the end of each business day.
• Build and sustain effective working relationships with co-workers.
• Communicate with Manager, identifying challenges and helping eliminate obstacles.
• Proactively engage in bank and community events.

Expected Outcomes

• Account opening and maintenance errors less than 5%.
• Balancing 100% of days scheduled to work.
• Process equal share of teller transactions, phone calls, and account activities.
• Over and short balance at zero.
• Refer products and services. Goal to be established by Branch Manager.

This position description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. Duties and responsibilities may change, or new ones may be assigned at any time with or without notice.

Required Skills & Attributes:

• Face to face interactions
• Effective communicator
• Accountability mindset
• Strong work ethic
• Highly responsive
• Strong relationship builder
• Proficient in Spanish

Education & Experience:

• High school diploma or the equivalent.
• 2-4 years banking experience.
• Familiarity with computers, including Microsoft Office products.

Physical Requirements:

• Ability to lift and move 40 pounds.
• Ability to stand for up to 9 hours.

• Consistent use of a computer for up to 9 hours.
• Consistent use of a phone for up to 8 hours.
• Intermittent sitting and standing up to 8 hours.

Travel:

• None

Benefits:

• 401(k)
• 401(k) Match
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Work Location

• Poplar Grove

Compensation Range of Position:

The anticipated hiring range for this position is $18.00-$21.00 hourly, which reflects what we reasonably expect to pay for candidates who meet the standard qualifications and experience level for this role. Our internal pay structure for this position range extends higher to support ongoing growth, skill development, and performance progression over time. Actual base pay will vary depending on job-related knowledge, skills, credentials, and experience.

MORTGAGE UNDERWRITER

Job Summary:

The Mortgage Underwriter will underwrite mortgage loans ensuring compliance within regulatory agencies and Bank guidelines. This individual is a financial professional responsible for evaluating and assessing the risk associated with mortgage loan applications. They play a crucial role in the lending process by ensuring that loan applications meet the lender's guidelines and regulatory requirements. This individual will examine loan documentation for accuracy and completeness and will work with Mortgage Loan Officers and Mortgage Department staff to secure all required documentation.

Supervisory Responsibilities:

None

Job Duties & Responsibilities:

• Review mortgage loans to ensure accuracy and completeness, validate findings to verify that all information matches. Instruct Mortgage Loan Officers and Processors on any errors for training purposes. Authority to approve or deny loan files as presented on guidelines assuring investor quality loans.
• Review title to verify the customer has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets investor requirements. Verify there are no unpaid liens or judgments and that all mortgage liens are being paid off through the transaction.
• Review all documentation, loan parameters, compliance documents for investor quality, prevention of fraud and ensure credit quality is in place.

• Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score.
• Perform mortgage credit analysis to determine borrower’s willingness and ability to repay the mortgage debt.
• Evaluate risk to ensure a prudent decision is made.
• Perform a detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for portfolio loans and loans sold to investors.
• Review all origination files to ensure the customer has been offered the best mortgage program. Adhere to guidelines to ensure all loans are closed properly according to internal and external investors in a timely manner.
• Assist officers & staff in keeping current on changes with current investors, compliance & programs as well as any new programs or investors.
• Underwrite & compile loans which are underwritten by other investors such as IHDA or DPP loans.
• Communicate with investors as needed – FHLMC, IHDA, PMI, FHLBC.
• Assure integrity of information submitted to loan prospector.
• Perform all final reviews of files prior to closing, assuring the integrity final loan prospector submission.
• Available to officers & staff for underwriting questions.
• UW for Affordable Second Mortgage (D.P.P. & D.P.A.).
• Complete audits as requested from Investors (FHLMC & PMI companies).

Additional Duties & Responsibilities:

• Assist other staff members, when instructed, as back-up.
• Communicate with title companies from time-to-time.
• Assist when instructed in investigating other or additional program possibilities.
• Communicate with appraisers.
• Review borrower requested PMI removal for compliance and approval (including ordering BPO from Freddie Mac).

This position description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. Duties and responsibilities may change, or new ones may be assigned at any time with or without notice.

Required Skills & Attributes:

• Ability to carefully assess complex financial information, credit history, and risk factors.
• Ability to meticulously review document to avoid errors or overlooked issues that could lead to financial risk or compliance breaches.
• Confidence and ability to make timely and well-informed judgments about loan applications based on thorough analysis.
• Ability to communicate clearly and effectively with loan officers, applicants, and third parties to request information, clarify concerns, and convey lending decisions.

Education & Experience:

• Thorough understanding and knowledge of mortgage lending guidelines, federal regulations, and industry best practices.
• A bachelor's degree in finance, business, or economics or related field is preferred.
• Minimum of three years’ experience of FNMA and FHLMC and underwriting guidelines, as well as conventional investors, state and local bond programs, and private mortgage insurers.
• Minimum of five years’ mortgage experience preferred.

Physical Requirements:

• Ability to sit for up to 8 hours a day.
• Ability to work on a computer for extended periods of time.

Travel:

None

Benefits:

• 401(k)
• 401(k) Match
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Work Location

• Byron

Job Type: Full-time

Compensation Range of Position:

• Minimum: $54,672
• Midpoint: $68,340
• Maximum: $85,425

Equal Employment Opportunity:

Byron Bank provides equal opportunity for all employees and applicants for employment and makes all employment decisions without discrimination on the basis of race, religion, color, sex (including pregnancy and gender identity), sexual orientation, national origin, age, disability, family medical history or genetic information, political affiliation, military service, disability challenges, marital status, ancestry, status upon discharge from military service, order of protection status or other non-merit based factors (actual or perceived). These protections extend to all management practices and decisions, including recruitment and merit practices, appraisal systems, promotions and training, and career development programs.