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 I

Job Summary:

A Customer Service Representative (CSR) with Byron Bank helps customers and 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. 

Job Duties & Responsibilities:

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 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 inquires, fall below fees or dollar amount, or other account questions
  • Debit card activation and pin questions
  • CD renewal request
  • 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
• Compete required training assigned by Compliance, Human Resources, or BSA departments

Additional Duties & Responsibilities:

• Balance teller window daily at the of 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 plain, 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
• Life Insurance
• 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 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.

DEPOSIT OPERATIONS SPECIALIST I

Job Summary:

This position will provide assistance to employees, officers, and other branch personnel via e-mails and phone calls. They will also assist with research of items in accounts, daily processing of wire transfers, ACH transactions, overdraft and exception items to include charge-offs, OD Protection (ODP), NSF’s and general exception questions, and quality control of new and existing accounts.

Job Duties & Responsibilities:

Daily Transaction & Exception Processing

• Exception & Item Management: Process daily Non-posts, EIM (NSF), and other exception items.
• Returns & Adjustments: Handle TCM Returns and execute check adjustments and returns directly through FISERV Client360.
• ACH & Wires: Process and log domestic and international wires. Manage manual ACH returns (WSUD), process stop payments, and input/monitor ACH Originations, Loan Payments, and Transfers across PIM and LAS.
• Deposits & Bonds: Approve Mobile and Remote Deposit Capture items. Process savings bonds and enter required interest at the portfolio level.
• Correction Duties: Correct specific transaction errors, including manual tran code 22 transactions.

Compliance, Auditing & Legal Servicing

• Legal Postings: Review, process, and log highly confidential legal notices including tax levies, liens, court orders, citations, child support orders, subpoenas, Verification of Deposits (VODs), credit card payments, death notifications, and closed account processing.
• System Auditing: Check daily assigned Director reports. Review Daily Maintenance Reports for dormant DDA/SAV changes, duplicates, and deleted items.
• Overdraft Control: Review excessive overdraft (OD) customers, contact necessary parties, and generate/send required NSF 20+ letters.
• Regulatory Compliance: Manage the yearly Unclaimed Property processing for abandoned property.

Frontline Support & System Maintenance

• Teller Assistance: Assist frontline tellers with imaging questions and perform routine maintenance on Smart Source imagers.
• Application Troubleshooting: Resolve immediate issues within the Integrated Teller application (including supervisor overrides and hardware/printer issues).
• User Security: Manage user access by enabling accounts in Navigator and unlocking user profiles within SCO.

Administrative & Customer Support

• Notice Fulfillment: Print, separate, and deliver official banking notices, statements, and print interest checks.
• Research Assistance: Act as a back-office research resource by responding to branch customer service inquiries regarding complex or vague transaction descriptions posted to customer accounts.
• Account Maintenance: Process foreign checks, returned mail, and address changes. Index scanned items in maintenance and remove recurring paper statement feeds for customers who successfully sign up for E-Statements in Online Banking.

Additional Duties & Responsibilities:

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:

• Attributes: High-level mathematical accuracy, practical problem-solving skills, professional writing skills, and strong customer service skills.
• Compliance Knowledge: Basic familiarity with Federal and State banking rules, including NACHA, Regulation CC (hold funds), Regulation E (debit card disputes), and Unclaimed Property law.

Education & Experience:

• Education: High school diploma or equivalent
• Experience: Minimum of 1-2 years of bank operations, teller, or retail banking experience
• Technical & Software Aptitude: Proficient in Microsoft applications, hands-on experience or direct ability to learn and use FISERV Client 360, Navigator, Director

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
• Life insurance 
• Paid time off (vacation, sick, holidays, and volunteer)

Work Location:

• Byron

Compensation Overview:

The anticipated hiring range for this position is $17.00-$19.25 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.

HEAD OF MORTGAGE LENDING

Job Summary:

The Head of Mortgage provides strategic leadership and operational oversight for the Bank’s mortgage lending division. This position is responsible for the overall performance, growth, compliance, and operational effectiveness of the department while fostering exceptional customer experience and supporting the Bank’s strategic objectives.

This role oversees mortgage lending activities, develops and leads the mortgage team, maintains key investor and business relationships, ensures compliance with applicable regulations, and originate residential mortgage loans throughout the Byron market.

Supervisory Responsibilities:

• Lead, coach, and develop the mortgage leadership team, including Mortgage Loan Officers, Mortgage Underwriter, and other assigned staff. Locations include Poplar Grove and Byron.
• Partner with the Mortgage Underwriter to ensure consistent coaching, development, and performance management of mortgage processing staff.
• Participate in recruiting, hiring, onboarding, succession planning, and performance evaluations.
• Establish clear expectations and accountability to performance and behaviors aligned with our culture.
• Foster a collaborative, engaged, and high-performing work environment.
• Promote ongoing education and professional development within the department.

Job Duties & Responsibilities:

Strategic Leadership:

• Develop and execute the Bank’s mortgage lending strategy in alignment with the Bank’s strategic plan and business objectives.

• Establish departmental goals, key performance indicators, and performance expectations.

• Evaluate market trends, customer needs, and competitive offerings to identify opportunities for growth and innovation.

• Lead the development and implementation of new mortgage products, programs, promotions, and services.

• Monitor departmental performance and recommend strategies to support growth, profitability, and operational effectiveness.

• Prepare reports and recommendations for Executive Leadership regarding mortgage production, pipeline activity, departmental performance, and market conditions.

Operational Oversight:

• Provide overall leadership and direction for the mortgage department, including loan origination, underwriting, and processing operations.

• Provide functional oversight of mortgage processing through the Mortgage Underwriter, partnering to monitor pipeline capacity, workload distribution, staffing needs, and departmental performance.

• Oversee departmental operations to ensure loans are processed accurately, efficiently, and within established service standards.

• Develop and implement process improvements to enhance operational efficiency, customer experience, and loan quality.

• Oversee mortgage-related systems, technology platforms, and operational tools to support departmental effectiveness.

• Lead departmental initiatives, projects, and technology implementations.

• Establish departmental priorities and performance expectations while empowering leaders to manage daily operations.

• Collaborate with other departments to ensure seamless customer experience throughout the lending process.

Risk Management:

• Promote sound underwriting practices and prudent lending decisions consistent with the Bank’s risk management.

• Monitor loan quality, operational risk, and internal controls while implementing corrective actions as needed.

• Review quality control findings, audit results, and identified deficiencies while ensuring corrective actions are implemented.

• Assist with complex lending scenarios, exceptions, and escalated customer concerns as appropriate.

Compliance & Regulatory Oversight:

• Ensure compliance with all applicable federal and state mortgage lending laws, regulations, investor requirements, and Bank policies.

• Oversee annual investor, agency, and program recertifications, including Freddie Mac, USDA, IHDA,FHLB, SAM.gov, and other applicable programs.

• Ownership over annual appraisers list.

• Monitor regulatory changes and implement operational changes as needed.

• Partner with the Compliance Officer to ensure ongoing regulatory compliance and examination readiness.

• Coordinate departmental responses to internal audits, external audits, regulatory examinations, and investor reviews.

• Ensure required reporting, documentation, and record retention requirements are maintained.

Policy & Governance:

• Serve as the owner of all mortgage-related policies, procedures, and operating standards.

• Develop, maintain, and update departmental policies to reflect regulatory requirements and operational best practices.

• Ensure departmental procedures are documented, communicated, and consistently followed.

Vendor Management:

• Manage relationships with mortgage investors, agencies, technology vendors, and other key business partners.

• Evaluate vendor and technology solutions that support operational efficiency and customer service.

• Partner with the Bank’s Vendor Management Program to ensure ongoing compliance and effective vendor performance.

Sales & Business Growth:

• Originate residential mortgage loans while providing exceptional service to customers throughout the Byron market.

• Develop and maintain relationships with Realtors, builders, attorneys, title companies, appraisers, and other referral partners.

• Represent the Bank at community events, networking opportunities, and business development activities.

• Support cross-selling efforts by identifying opportunities to connect customers with additional Bank products and services.

• Identify opportunities to expand mortgage production through new referral channels and strategic partnerships.

Additional Duties & Responsibilities:

• Lead weekly mortgage loan originator meeting.

• Partner with Marketing Department during the annual Marketing Meeting to discuss upcoming promotional and brand needs.

• Originate home equity loans and HELOCs as needed.

• Coordinate with FDIC exams, internal audits.

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.

Core Competencies:

• Leadership: Ability to lead, coach, and develop employees. Promote accountability, collaboration, and a positive team culture.

• Strategic & Business Expertise: Ability to think strategically and make sound business decisions. Identify opportunities for growth, innovation, and operational improvement.

• Mortgage & Regulatory Knowledge: Strong knowledge of residential mortgage lending, secondary market operations, and applicable regulations. Ability to develop and maintain policies and procedures.
• Relationship Management: Build strong relationships with customers, referral partners, vendors, and internal stakeholders. Represent the Bank professionally within the community.
• Communication & Organization: Excellent communication, organizational, and problem-solving skills. Ability to manage multiple priorities while maintaining accuracy and professionalism.

Education & Experience:

Education: 

• Bachelor’s degree in Business, Finance, Accounting, or related field preferred.

Professional Experience:

• Minimum of seven (7) years of progressively responsible mortgage lending experience.

• Minimum of three (3) years of leadership or management experience.

• Demonstrated experience overseeing mortgage operations, loan origination, underwriting, processing, secondary market activities.

• Experience developing departmental strategies, operational improvements, and business growth initiatives.

Licenses & Certifications:

• Active NMLS registration or ability to obtain and maintain registration.

• Ability to meet all continuing education and licensing requirements applicable to the position.

Physical Requirements:

• Ability to sit for up to 8 hours a day.

• Ability work on a computer for extended periods of time.

• Ability to be on the phone for up to 8 hours a day.

Benefits:

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

Travel:

• Some travel is involved, less than 25% of the time.

Location:

• Byron/In Office

Compensation Overview:

The anticipated hiring range for this position is $96,800 - $121,000 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
• Life insurance 
• 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
• Life insurance 
• 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.