Senior Mortgage Lender

1 week ago


West Manchester, Ohio, United States Civista Bank Full time
Job Summary

Civista Bank is seeking a highly skilled Senior Mortgage Lender to join our team. As a key member of our lending team, you will be responsible for originating first mortgage loans, promoting the Bank and its lending services to the real estate community, and identifying and serving the community's financial needs.

Key Responsibilities
  • Travel to solicit first mortgage and home equity loans through referral partners, community activities, and organizations.
  • Meet with customers and prospective customers at various locations to discuss loan options and provide expert advice.
  • Complete loan applications and pre-processing functions, including obtaining necessary documentation from prospective clients.
  • Inform clients of underwriting guidelines and applicable government regulations.
  • Screen loan requests based on bank policies and loan types offered by the institution.
  • Propose and review various loan options with clients, ensuring compliance with bank policies and regulations.
  • Research new legislation and regulations affecting residential lending policies, advising senior management and implementing necessary changes.
  • Answer phone calls, schedule appointments, and communicate complex approvals or denials to clients.
  • Distribute market data, rate flyers, and loan information to the real estate community as directed by bank management.
  • Promote and participate in special credit programs and CRA initiatives.
  • Maintain close contact with local builders, real estate brokers, agents, customers, and prospects.
Requirements
  • Five+ years of mortgage lending experience in a financial institution or loan office setting.
  • Bachelor's Degree in Business or Finance, or three years of equivalent work experience.
  • Above-average knowledge of banking industry practices, policies, regulations, and laws related to mortgage lending.
  • Solid working knowledge of bank compliance requirements and Fair Lending laws and regulations.
  • Solid computer literacy, including data entry skills and proficiency in spreadsheet software.
  • High level of initiative, thoroughness, accuracy, and organizational skills.
  • Detail-oriented with strong analytical skills.
  • High level of confidentiality required.
  • Solid oral and written communication skills.
  • Ability to manage multiple priorities and projects with varied deadlines.


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