Full-Time
Real Estate Loan Processing Specialist
Central State Bank
51-200 employees
Community bank offering personal, business banking
No salary listed
Calera, AL, USA
In Person
Bachelor's, Associate's
 Real Estate (1) |
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- A high school diploma or equivalent is required; an associate or bachelor’s degree is preferred.
- Three to five or more years of experience in consumer and/or commercial real estate loan processing is required.
- In-depth knowledge of loan documentation, underwriting requirements, and regulatory compliance for real estate loans is required.
- Strong organizational, analytical, and problem-solving skills are required.
- Effective communication and customer service skills are required.
- Proficiency with loan origination systems and Microsoft Office is required.
- Experience with residential mortgages, commercial real estate loans, or mixed-use properties is required.
- Familiarity with regulatory requirements such as TRID, RESPA, HMDA, or state-specific real estate lending regulations is required.
- Review and process consumer and commercial real estate loan applications for accuracy, completeness, and compliance.
- Collect, verify, and analyze borrower information, including income, assets, credit, and property collateral.
- Order, review, and verify third-party documentation such as appraisals, title reports, environmental reports, and credit reports.
- Ensure loan files comply with underwriting guidelines, regulatory requirements, and investor standards for residential and commercial real estate loans.
- Communicate with borrowers, loan officers, underwriters, and other stakeholders to resolve complex documentation or loan issues.
- Prepare loan files for underwriting and closing, ensuring all documentation is accurate and complete.
- Identify and resolve discrepancies, missing information, or documentation errors.
- Mentor and provide guidance to junior loan processors, particularly on commercial real estate transactions.
- Stay current on consumer and commercial real estate lending products, regulations, and industry best practices.
- Support audits, regulatory reviews, and internal compliance initiatives.
- Perform other duties as assigned.
- An associate or bachelor’s degree is preferred.
Family-owned and community-focused, Central State Bank serves eastern Iowa since 1931. It offers personal and business banking, including agricultural loans, mortgages, checking and savings accounts, CDs, IRAs, and services such as online cash management and remote deposit capture. The bank differentiates itself through long-standing family ownership and local decision-making that emphasizes personal relationships and local service, with growth through branch expansion and acquisitions. Its goal is to provide comprehensive, locally driven financial solutions that support Eastern Iowa communities while preserving a personal banking experience.
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
Calera, Alabama
Founded
N/A
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Simplify's Take
What believers are saying
- Central State Bank advertised 2.53% APY in July 2026, supporting deposit gathering.
- Updated 2026 online and mobile banking boosts retention for customers demanding 24/7 access.
- Chief Banking Officer Bart Floyd joined in June 2025, strengthening commercial growth leadership.
What critics are saying
- The November 2024 overdraft-fee class action threatens refunds, legal costs, and reputational damage.
- Deposits fell 6.41% year over year to $344 million in Q2 2026.
- March 2, 2026 CEO turnover can weaken execution during competitive pressure and litigation.
What makes Central State Bank unique
- Family ownership since 1942 keeps decisions local and relationship-driven in eastern Iowa.
- Nine Iowa branches and 2026 mobile banking support personal service with digital convenience.
- Agricultural, municipal, and small-business lending create a community niche larger banks ignore.
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Benefits
Professional Development Budget
Training Programs