Senior Mortgage Originator

2 months ago


Beachwood, 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 Senior Mortgage Lender, 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
  • Originate First Mortgage Loans: Originate first mortgage loans by working with customers and referral partners to understand their financial needs and provide personalized loan solutions.
  • Promote Bank Services: Promote the Bank and its lending services to the real estate community, including realtors, builders, financial planners, insurance agents, and attorneys.
  • Identify and Serve Community Needs: Identify and serve the community's financial needs by providing loan solutions that meet their unique requirements.
  • Meet with Customers and Prospective Customers: Meet with customers and prospective customers at various locations to discuss their loan needs and provide personalized solutions.
  • Complete Loan Applications and Pre-Processing Functions: Complete each loan application and all pre-processing functions, including obtaining necessary documentation from prospective clients.
  • Inform Prospective Clients of Underwriting Guidelines and Government Regulations: Inform prospective clients of the Bank's underwriting guidelines and applicable government regulations.
  • Screen Loan Requests: Screen loan requests based on Bank policies and types of loans offered by the institution.
  • Propose and Review Loan Options: Propose and review various loan options with prospective clients.
  • Research New Legislation and Regulations: Research new legislation and regulations that may affect the Bank's residential lending policies and ensure compliance by advising senior management and implementing appropriate changes.
  • Communicate Complex Approvals or Denials: Communicate complex approvals or denials to the borrower, real estate agent, or builder.
  • Distribute Market Data and Rate Flyers: Distribute market data, rate flyers, and general loan information to the real estate community as directed by Bank management.
  • Promote Special Credit Programs: Promote and participate in the Bank's special credit programs and other CRA programs.
  • Participate in Local Business and Community Activities: Actively participate in local business and community activities and maintain close contact with local builders, real estate brokers, and agents, customers, and prospects.
Requirements
  • Experience: Five + years Mortgage Lending experience in a financial institution or loan office setting.
  • Education: Bachelor's Degree in Business or Finance or three years equivalent work experience.
  • Knowledge and Skills: 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.
  • Initiative and Organizational Skills: 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.


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