Senior Mortgage Advisor & Real Estate Partnerships

Civista Bancshares, Inc.; Norwalk (OH); On-site; USD 75,000 - 110,000; Full time

Job summary

Civista Bank is seeking a Senior Mortgage Lender to originate first mortgage loans and promote the bank's lending services to real estate referral partners. The role involves meeting with clients, pre-processing, and ensuring compliance with underwriting guidelines and government regulations.

The successful candidate will have 5+ years of mortgage lending experience, a business/finance degree or equivalent, and strong analytical and communication skills to serve customers and build relationships

Qualifications

• Five+ years Mortgage Lending experience in a financial institution or loan office setting.
• Bachelor's Degree in Business or Finance or three years equivalent work experience.
• Above average knowledge of banking industry practices, policies, regulations, and laws as it pertains to the mortgage lending area.
• Solid working knowledge of bank compliance requirements, as well as knowledge and adherence to Fair Lending laws and regulations.
• Solid computer literacy with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas.

Responsibilities

• Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planner, insurance agents and attorneys, as well as through community activities and organizations.
• Meet with customers and prospective customers at various locations.
• Complete each loan application and all pre-processing functions to include but not limited to obtaining all necessary documentation from prospective clients as determined by bank policy and underwriting guidelines.
• Inform prospective clients of the bank's underwriting guidelines and applicable government regulations.
• Screen loan requests based on bank policies and on types of loans offered by the institution.
• Propose and review various loan options with prospective clients.
• Research new legislation and regulations that may affect the Bank's residential lending policies.
• Ensures compliance with new rules by advising senior management and implementing appropriate changes.
• Answer incoming phone calls and schedule appointments.
• Communicate complex approvals or denials to the borrower, real estate agent or builder.
• Distributes market data, rate flyers and general loan information to the real estate community as directed by bank management.
• Promotes and participates in the bank's special credit programs and other CRA programs.
• Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers, and prospects.
• All other duties as assigned and any activities that support the key accountabilities.

Skills

Mortgage lending

Client relationship management

Analytical skills

Communication skills

Multi-tasking

Data entry

Education

Bachelor's degree in Business or Finance

Three years equivalent work experience

Tools

Microsoft Word

Microsoft Excel

Loan processing software

Job description

Civista Bank is seeking a Senior Mortgage Lender to originate first mortgage loans and promote the bank's lending services to real estate referral partners. The role involves meeting with clients, pre-processing, and ensuring compliance with underwriting guidelines and government regulations.

The successful candidate will have 5+ years of mortgage lending experience, a business/finance degree or equivalent, and strong analytical and communication skills to serve customers and build relationships