Senior Mortgage Lender — Growth & Partner Relations

Civista Bank; Gahanna (OH); On-site; USD 85,000 - 130,000; Full time

Job summary

Civista Bank is seeking a Senior Mortgage Lender to originate first mortgage loans and build relationships with real estate professionals in Ohio. The role involves traveling to meet clients, reviewing documentation, and guiding borrowers through underwriting guidelines and government regulations.

The position emphasizes a proactive approach, strong communication, and the ability to manage multiple priorities while maintaining compliance and delivering excellent service to customers and partners.

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 (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.

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

Attention to detail

Communication skills

Analytical skills

Organizational skills

Multitasking

Data entry

Education

Bachelor's Degree in Business or Finance or 3 years equivalent

Tools

Word

Excel

Spreadsheet formulas

Job description

Civista Bank is seeking a Senior Mortgage Lender to originate first mortgage loans and build relationships with real estate professionals in Ohio. The role involves traveling to meet clients, reviewing documentation, and guiding borrowers through underwriting guidelines and government regulations.

The position emphasizes a proactive approach, strong communication, and the ability to manage multiple priorities while maintaining compliance and delivering excellent service to customers and partners.