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Mortgage Loan Officer | Holmen, WI

Here at Citizens First Bank, our Mortgage Loan Officers focus on providing excellent customer service. Our lenders also handle their own underwriting and originate mortgage loans in accordance with established lending objectives, policies and procedures for portfolio and secondary market loans while establishing, maintaining and maximizing relationships with existing and potential customers.

About us

Citizens First Bank is a small business in Holmen, WI. We are professional, customer-centric and autonomous.

Our work environment includes:

  • Modern office setting

We are looking for people who are passionate about providing the best possible experience to our customers. We are now seeking a Mortgage Loan Officer to join our Holmen branch!


  • Engages in extensive business development opportunities with realtors and other centers of influence to build mortgage lending relationships.
  • Interviews and assists customers in the completion of loan applications in compliance with Bank policy and regulatory guidelines.
  • Gathers and oversees compilation of all needed information for loan applications. Works in tandem with credit team to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application. Corresponds with or interviews applicants or creditors to resolve questions and negotiate deals.
  • Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate. Presents and structures loan products that are in the best interest of the customers.
  • Facilitates negotiations with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms. Refers and/or presents loan to loan committee for approval in excess of individual loan approval authority.
  • Ensures loan agreements are complete and accurate according to policy. Completes underwriting. Assures timely loan closing and funding activities.
  • Maintains a portfolio of existing customers and maximizes relationships based on customer needs.
  • Remains highly informed on current Bank policy and primary and secondary market rules and regulations.
  • Makes an active contribution to the annual updates made to the Bank’s loan policy, as it pertains to the mortgage area, based on trends that need to be addressed or areas that need further clarification.
  • Seeks opportunities to promote Bank products and services.
  • Other duties as assigned.


  • Previous lending experience is required.
  • Bachelor’s degree or equivalent combination education and experience.
  • Extensive knowledge of Mortgage programs including secondary market, Rural Development and VA loans and construction loans.
  • Experience with underwriting software.

Why work for Citizens First Bank?

  • Citizens First Bank is family-first and promotes a healthy work/life balance
  • We take care of our customers as we would our own family
  • We offer a competitive salary with annual wage increase opportunities
  • Quarterly commission opportunities
  • Year-end bonus opportunities
  • Paid time off and paid holidays
  • A fully comprehensive benefits package, including: health, dental, vision, disability, and supplementary insurance options
  • An employer-sponsored life insurance plan
  • And so much more!

Job Type: Full-time


  • 401(k)
  • 401(k) matching
  • Dental insurance
  • Employee assistance program
  • Flexible schedule
  • Flexible spending account
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Vision insurance

Physical setting:

  • Office


  • Monday to Friday

Supplemental pay types:

  • Bonus pay
  • Commission pay

Work Location: In person

Emailing Amber Wierzba, HR Generalist, your resume if interested: