Senior Mortgage Lender

Mmbba; Sandusky (OH); Hybride; USD 70 000 - 110 000; Plein temps

Résumé du poste

Civista Bank is seeking a Senior Mortgage Lender to originate first mortgage loans and promote lending services among real estate partners. The role involves meeting clients, gathering documentation, and guiding borrowers through underwriting guidelines and regulatory requirements.

The position requires strong communication, analytical skills, and the ability to manage multiple priorities while maintaining confidentiality across mortgage processes.

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.
• Solid knowledge of banking industry practices, policies, regulations, and laws related to mortgage lending.
• Proficiency in bank compliance and Fair Lending regulations; data entry and spreadsheet skills.

Responsabilités

• Travel to solicit first mortgage and home equity loans via referrals and community activities.
• Meet with customers at various locations and complete loan applications with required documents.
• Explain underwriting guidelines and applicable regulations to clients and partners.
• Assess loan requests against bank policies and available loan types.
• Propose and review loan options; stay updated on new legislation affecting lending policies.
• Communicate approvals or denials clearly to borrowers and partners; distribute market data.

Connaissances

Mortgage lending

Compliance knowledge

Confidentiality

Analytical abilities

Communication skills

Multitasking

Formation

Bachelor's Degree in Business or Finance

Outils

Word

Excel

Description du poste

Civista Bank
Description:

Position Purpose:

The Senior Mortgage Lender originates first mortgage loans, promotes the Bank and its lending services to the real estate community referral partners, and helps to identify and serve the community's financial needs. Demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve.

We are looking for mortgage professionals currently working in the field.

Key Accountabilities, Responsibilities, and Expectations:

• 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.

Qualifications, Knowledge and Skills:

• 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 (Word, Excel) with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas. Ability to become proficient in use of specific software required for position.
• A high level of initiative, thoroughness, accuracy and organizational skills required.
• Detail oriented with strong analytical skills.
• High level of confidentiality required.
• Solid oral and written communication skills.
• Ability to manage multiple priorities/projects with varied deadlines.

Physical Requirements:

• This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank in order to obtain sales.
• Work involves eye strain due to the frequent use of computer screens, reading of reports, completing documents, and so forth.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
• Work involves lifting and moving loan files of up to 15 lbs.
• Work involves some travel to attend meetings, trainings, real estate office visits, and so forth.

EOE - Race/Sex/Disability/Veteran

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.

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