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.

CUSTOMER SERVICE REPRESENTATIVE

Job Summary:

A Customer Service Representative (CSR) with Byron Bank helps customers with their teller transactions and telephone requests. They process customer transactions efficiently and accurately be it a deposit, loan payment, cashing a check, or answering a telephone call. They actively listen to customers and meet their needs by completing the transaction or referring them to another department. They provide outstanding customer service. 

Supervisory Responsibilities:

None

Job Duties & Responsibilities:

• 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. 

Process a variety of customer transactions including:

• Account Management-Assist customers with opening and closing accounts, ordering checks, processing address changes, and setting up safe deposit box access.
• Transaction Processing- Handle deposits, withdrawals, check cashing, and loan payments at the teller line. Issue cashier checks, money orders, gift cards, and license stickers.
• Issue Resolution-Investigate errors, follow up on customer inquiries.
• Fraud Mitigation-Verify customer identity, watch for and identify counterfeit currency and fraudulent checks, work with the AML Officer on suspicious transactions.
• Sales and Cross-Selling-Educate customers on the benefits of bank products.
• Process and log mail, night drop, and courier bags.

Answer customer service calls and complete requests including:

• Online Banking questions including Zelle.
• Password resets. 
• Account transfers. 
• Travel Notices. 
• Retail product rate inquiries, fall below fees or dollar amount, or other account questions.
• Debit card activation and pin questions.
• CD renewal request. 
• Various additional requests that may be asked. 

Additional Duties & Responsibilities:

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

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:

• Communication and Empathy-Strong listening skills with the ability to explain complex financial terms in plan, easily understandable language.
• Attention to Detail-High degree of accuracy when  handling cash and entering customer data to balance cash drawers and general ledgers.
• Compliance Knowledge- Ability to learn and retain complex banking laws, privacy policies, and security procedures.
• Tech-Savviness-Comfort with navigating core banking software, CRM systems, and multi-line phone networks

Education & Experience:

• High school diploma or the equivalent.
• Customer Service -One year of retail experience required.
• Cash handling-Processing large sums accurately.
• Retail Sales-Meeting performance and referral goals.
• Call Support-Managing high-volume phone calls.
• Problem Resolution-De-escalating tense customer situations.
• Tech Expertise-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 and phone for up to 9 hours.

Benefits:

• Health Insurance (Medical, Dental, Vision)
• 401(k) retirement plan with match
• Health savings account
• Company paid life insurance policy
• Paid time off (vacation, sick, holidays, and volunteer)

Work Location:

• Byron

Compensation Overview:

The anticipated hiring range for this position is $17.00-$20.00/hour, which reflects what we reasonably expect to pay for candidates who meet the standard qualifications for the role. Actual base pay will vary depending on job-related knowledge, skills, credentials, experience, and location.

LOAN OPERATIONS MANAGER

Job Summary:

The Loan Operations Manager is responsible for effectively supporting the lending team for commercial, consumer, and mortgage loans across all branches. This individual will develop, document, and implement best practices in the loan operations area; be a proactive leader and team player with the ability to be influential and establish positive working relationships across the organization and will act as liaison with other branches, departments, and vendors.

Supervisory Responsibilities:

• Lead and manage three Loan Operations staff.
• Develop, motivate, and train staff, including planning and delegating work assignments and projects.
• Evaluate performance, administer quarterly touch points and deliver performance evaluations. Establish clear expectations and hold employees accountable to performance and behaviors aligned with our culture.

Job Duties & Responsibilities:

Loan Operations:

• Manage the daily operations of the department in an efficient and innovative manner. Establish and maintain a productive and positive working environment.
• Achieve and refine departmental goals within defined timelines.
• Lead projects including documentation project (scanning and organizing loan documentation to meet company electronic file policies).
• Interact with the lending staff(s) to maintain and improve both accuracy and efficiency through collaborative leadership.
• Perform on-going training, review and communicate lending industry topics/concerns and standards.
• Implement operation policies and procedures to ensure compliance with State and Federal regulations and internal requirements.
• Communicate with management team to coordinate system and control activities related to loan documentation and monitoring.
• Interact with auditors, compliance, and examiners to assist in reviews and examinations. Follow up and correct any items addressed and ensure necessary changes or recommendations have been implemented as directed.
• Become proficient with computer systems used to maximize their use to meet bank objectives. This includes monitoring new releases of software and the effects of potential changes. Define, document, and monitor best practice processes for:
• Payoff statements
• Insurances compliance including Flood and force placed insurance procedures
• HMDA compliance including quarterly review
• UCC, judgement, and tax lien searches
• Non-originated loan applications
• Escrow accounts
• Small Business Data Collection

Quality Control:

• Develop, coordinate, and implement quality control processes to ensure the accuracy, completeness, and compliance of loan files.
• Recommend process improvements to enhance loan quality and mitigate operational risk.

Additional Duties & Responsibilities:

• Support cross-departmental functions.
• Lead special projects.
• Pull and compile 1099A & 1099C; PMI Delinquency Reporting. Complete Semi-Annual Default and Foreclosure report. Complete Consumer Loan Turn Down Review.
• Back-up for Credit Reporting.
• Update the Treasury Rate on LaserPro.
• Support HMDA.
• Attend sales/mortgage/consumer loan meetings.
• Oversee/manage Freddie Mac Recon and Pre/Post Close.

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:

• Excellent verbal, written and interpersonal communication skills Strong analytical and research skills
• Strong credit skills
• Great project management skills.
• Detail-oriented approach with a commitment to quality.
• Proven ability to manage individuals at various levels within the organization.
• Understanding of government regulations and legal requirements involving lending, collections, insurance, and related functions.
• Ability to operate standard office and bank equipment and required software including Microsoft Word, Excel, PowerPoint and Outlook.

Education & Experience:

• High school diploma or GED equivalent required.
• Some related college background preferred.
• 7+ years of banking experience preferred.
• 3+ years of supervisory and leadership experience and relevant loan operations management experience preferred.
• Knowledge and experience utilizing computer systems. MS Office Suite, Factual Data, LaserPro and Fiserv/Navigator experience preferred.
• Basic ability to analyze personal and business financial statements and commercial lending documentation.

Physical Requirements:

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

Benefits:

• Health Insurance (Medical, Dental, Vision)
• 401(k) retirement plan with match
• Health savings account
• Company paid life insurance policy
• Paid time off (vacation, sick, holidays, and volunteer)

Work Location:

• Byron

Travel:

• None

Compensation Overview:

The anticipated hiring range for this position is $58,900 - $70,500 annually, which reflects what we reasonably expect to pay for candidates who meet the standard qualifications for the role. Actual base pay will vary depending on job-related knowledge, skills, credentials, experience, and location.

MORTGAGE LOAN PROCESSOR II

Job Summary:

The Mortgage Loan Processor is responsible for managing a pipeline in conjunction with our Mortgage Lenders to ensure all loans are closed in a timely manner and in accordance with regulatory requirements. Individuals  would have the capabilities of handling each aspect of the loan from start to finish; initial disclosures through the closing process. 

Job Duties & Responsibilities:

Production Processor:

• Manage Applications-Review mortgage applications for completeness, collect required paperwork, and assemble files for underwriting.

• Route Files-Assign new internet-received mortgage applications to loan officers and generate unique loan numbers.

• Send Initial Disclosures-Prepare and issue early loan disclosures while strictly meeting TRID guidelines and compliance.

• Execute Re-Disclosures-Complete file re-disclosures for locked loans or changed circumstances in compliance with TRID timelines.

• Coordinate Verifications-Order flood certifications, title commitments, appraisals, homeowner's insurance, and required VOEs/VODs.

• Monitor Pipelines-Track compliance alerts, follow up with loan officers on aging files, and liaise with borrowers.

• Clear Conditions-Clear and satisfy underwriting conditions efficiently in direct conjunction with the loan officer.

• Liaise Externally-Communicate seamlessly with realtors, attorneys, and third-party title companies throughout the process.

• Update Customers-Provide borrowers with timely, periodic status updates regarding their active loan applications.

• Handle Denials-Complete and mail out formal adverse action notifications for denied or withdrawn files.

• Protect Data-Maintain the highest level of confidentiality and discretion regarding sensitive customer and bank information.

• Drive Improvement-Contribute directly to the continuous development and improvement of bank lending policies and procedures.

Loan Closing:

• Assemble Closing Packages-Prepare closing packages tailored to Secondary Market Investors and Byron Bank in-house loans.

• Finalize Numbers-Partner with local title companies to verify final numbers and ensure timely closing package delivery.

• Verify Employment-Complete mandatory 10-day Verbal Verifications of Employment (VVOE) prior to mortgage closings.

• Report HMDA Data-Complete and log final Home Mortgage Disclosure Act information in Wolters Kluwer software.

• Post-Close Review-Thoroughly process signed closing packages, track collateral, balance loan tickets, and record documents.

• Audit Insurance-Review final insurance documents to verify accuracy of the required mortgage clauses.

• Load Core Systems-Successfully load finalized and booked loan data directly into our core banking system.

• Fund Grant Programs-Prepare complex funding packages for Illinois League Down Payment Plus grants and IHDA.

• Manage Investor Sales-Facilitate the preparation of funding packages for Servicing Sold Loans.

• Track and Image Documents-Image and track all recorded mortgages and title policies while following up on missing items.

Required Skills & Attributes:

The following skills and attributes are needed to be successful in your banking career as a Mortgage Loan Processor:

• Organizational Skills-Meticulous organizational habits with the ability to spot data discrepancies instantly.

• Communication-Excellent interpersonal and communication skills to confidently guide borrowers and mortgage loan officers.

• Adaptable Work Style-Proven ability to work successfully both independently and collaboratively as part of a close-knot team.

• Perform Under Pressure-Ability to work effectively under high stress levels, managing frequent interruptions and tight, rapidly changing deadlines.

• Software Proficiency-High degree of computer/technology literacy and the ability to master new technology/software.

• Industry Knowledge-General knowledge of the mortgage industry with a deep understanding of appropriate regulations, guidelines, and underwriting standards.

• Product Knowledge-Solid comprehension of residential mortgage loan products and strict regulatory requirements.

Education & Experience:

• High school diploma or the equivalent.
• 2 or more years of direct experience with the mortgage loan processor role. 

Physical Requirements:

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

Benefits:

• Health Insurance (Medical, Dental, Vision)
• 401(k) retirement plan with match
• Health savings account
• Company paid life insurance policy
• Paid time off (vacation, sick, holidays, and volunteer)

Work Location:

• Byron

Compensation Overview:

The anticipated hiring range for this position is $20.50-$25.00 per hour, which reflects what we reasonably expect to pay for candidates who meet the standard qualifications for the role. Actual base pay will vary depending on job-related knowledge, skills, credentials, experience, and location.

TELLER

Job Summary:

A Teller with Byron Bank is the most visible employee in the bank. They process customer transactions efficiently and accurately be it a deposit, loan payment, or cashing a check. They actively listen to customers and meet their needs by completing the transaction or referring them to another department. They provide outstanding customer service.

Job Duties & Responsibilities:

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. Answer account questions.
• Scan and proof work for all 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:

• Balance teller window daily at the end of each business day. Follow bank policies and procedures.
• Engage in conversations to address current and future needs of our customers. Communicate through telephone and email.
• 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.

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

Education & Experience:

• High school diploma or the equivalent.
• 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.

Benefits:

• Health Insurance (Medical, Dental, Vision)
• 401(k) retirement plan with match
• Health savings account
• Company paid life insurance policy
• Paid time off (vacation, sick, holidays, and volunteer)

Work Location:

• Byron

Compensation Overview:

The anticipated hiring range for this position is $16.50-$17.50 per hour, which reflects what we reasonably expect to pay for candidates who meet the standard qualifications for the role. Actual base pay will vary depending on job-related knowledge, skills, credentials, experience, and location.

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.