Senior Mortgage Lender

Civista Bank; Sandusky (OH); On-site; USD 80,000 - 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 the real estate community. The role involves traveling to meet with clients, collecting documentation, and explaining underwriting guidelines while ensuring regulatory compliance.

The ideal candidate has 5+ years of mortgage lending experience, a business/finance degree or equivalent, and strong communication and analytical skills to support community partnerships and CRA

Qualifications

• Five+ years mortgage lending experience in a financial institution or loan office.
• Bachelor's Degree in Business or Finance or three years equivalent work experience.
• Strong knowledge of banking industry practices, policies, regulations and laws in mortgage lending.
• Compliant with fair lending laws and bank policies; data accuracy and confidentiality.
• Proficiency with Word/Excel and ability to learn position-specific software.
• Strong initiative, thoroughness, accuracy and organization.

Responsibilities

• Travel to solicit first mortgage and home equity loans through referral partners.
• Meet with customers and prospective customers at various locations.
• Process loan applications and collect required documentation per policy.
• Explain underwriting guidelines and government regulations to clients.
• Screen loan requests according to bank policies and loan types.
• Propose and review loan options with clients.
• Monitor legislative changes affecting residential lending and advise management.
• Communicate complex approvals or denials to borrowers, agents, or builders.
• Distribute market data and loan information to the real estate community.
• Promote bank's special credit and CRA programs and participate in community activities.
• Manage multiple priorities and deadlines with client-focused service.

Skills

Mortgage lending experience

Regulatory compliance knowledge

Analytical skills

Communication skills

Attention to detail

Multitasking

Confidentiality

Initiative

Education

Bachelor's Degree in Business or Finance

Three years equivalent work experience

Tools

Microsoft Word

Microsoft Excel

Job description

Civista Bank

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.

Requirements:

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.