Senior Mortgage Lender

1 week ago


Brook Park, Ohio, United States Civista Bank Full time
Job Summary:

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

Key Responsibilities:
  • Originate first mortgage loans and promote the Bank's lending services to the real estate community
  • Travel to solicit loans through referral partners and community activities
  • Meet with customers and prospective customers at various locations
  • Complete loan applications and pre-processing functions, including obtaining necessary documentation
  • Inform prospective clients of underwriting guidelines and government regulations
  • Screen loan requests based on bank policies and loan types
  • Propose and review loan options with prospective clients
  • Research new legislation and regulations affecting residential lending policies
  • Ensure compliance with new rules by advising senior management and implementing changes
  • Answer phone calls and schedule appointments
  • Communicate complex approvals or denials to borrowers, real estate agents, or builders
  • Distribute market data, rate flyers, and loan information to the real estate community
  • Promote and participate in special credit programs and CRA initiatives
  • Maintain close contact with local builders, real estate brokers, agents, customers, and prospects
Requirements:
  • 5+ years of mortgage lending experience in a financial institution or loan office setting
  • Bachelor's Degree in Business or Finance, or 3 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
  • Strong computer literacy, including Word, Excel, and data entry skills
  • Ability to manage multiple priorities and projects with varied deadlines
  • 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
Work Environment:

This position requires frequent travel to solicit loans and attend meetings. Work involves eye strain due to computer screen use and reading reports. Work involves concentrating on tasks under distracting conditions. Work involves lifting and moving loan files of up to 15 lbs. Some travel required to attend meetings, trainings, and real estate office visits.



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