Senior Mortgage Lender - Loan Origination Expert

Civista Bancshares, Inc.; Columbus (OH); On-site; USD 85,000 - 125,000; Full time

Job summary

Civista Bancshares, Inc. is seeking an experienced mortgage lending professional in Columbus, OH. The role involves traveling to meet clients, securing first mortgage and home equity loans, and educating clients on underwriting criteria and regulations.

Ideal candidates have 5+ years in mortgage lending, a business/finance degree or equivalent experience, and strong compliance, analytical, and communication skills. This position requires organization and the ability to handle multiple deadlines.

Qualifications

• Over five years of experience in mortgage lending at a financial institution or loan office.
• Bachelors degree in Business or Finance, or three years of equivalent experience.
• In-depth understanding of banking practices, policies, regulations, and laws relevant to mortgage lending.
• Strong knowledge of compliance requirements and adherence to Fair Lending laws.
• Proficient in Word and Excel with strong data entry abilities; adept at working with spreadsheets and creating formulas.
• High level of initiative, attention to detail, accuracy, and organizational skills.
• Strong analytical capabilities and detail-oriented mindset.
• High level of confidentiality maintained.
• Excellent verbal and written communication abilities.
• Capability to manage multiple tasks and projects with varying deadlines.

Responsibilities

• Travel to secure first mortgage and home equity loans through partnerships with realtors, builders, financial planners, insurance agents, and attorneys, as well as engaging with community organizations.
• Meet with clients and potential clients at diverse locations.
• Process each loan application and complete all pre-processing steps, including gathering all necessary documentation according to bank policy and underwriting standards.
• Educate prospective clients about the banks underwriting criteria and relevant government regulations.
• Evaluate loan requests adhering to bank policies and the types of loans available.
• Present and discuss various loan options with potential clients.

Skills

Mortgage lending experience

Compliance knowledge

Data entry / spreadsheets

Initiative

Attention to detail

Analytical skills

Confidentiality

Verbal & written communication

Multitasking

Education

Bachelor's degree in Business or Finance

Three years of equivalent experience

Tools

Word

Excel

Job description

Salary: $85,000 - 125,000 per year

Requirements:

• Over five years of experience in mortgage lending at a financial institution or loan office
• Bachelors degree in Business or Finance, or three years of equivalent experience
• In-depth understanding of banking practices, policies, regulations, and laws relevant to mortgage lending
• Strong knowledge of compliance requirements and adherence to Fair Lending laws
• Proficient in computer skills (Word, Excel) with strong data entry abilities; adept at working with spreadsheets and creating formulas
• High level of initiative, attention to detail, accuracy, and organizational skills
• Strong analytical capabilities and detail-oriented mindset
• High level of confidentiality maintained
• Excellent verbal and written communication abilities
• Capability to manage multiple tasks and projects with varying deadlines

Responsibilities:

• Travel to secure first mortgage and home equity loans through partnerships with realtors, builders, financial planners, insurance agents, and attorneys, as well as engaging with community organizations
• Meet with clients and potential clients at diverse locations
• Process each loan application and complete all pre-processing steps, including gathering all necessary documentation according to bank policy and underwriting standards
• Educate prospective clients about the banks underwriting criteria and relevant government regulations
• Evaluate loan requests adhering to bank policies and the types of loans available
• Present and discuss various loan options with potential clients