Senior Mortgage Lender
1 week ago
Civista Bank is seeking a highly skilled Senior Mortgage Lender to originate first mortgage loans and promote the Bank's lending services to the real estate community and referral partners. The ideal candidate will have a strong understanding of banking industry practices, policies, regulations, and laws as it pertains to the mortgage lending area.
Key Responsibilities:- Originate first mortgage loans and promote the Bank's lending services to the real estate community and referral partners.
- Travel to solicit first mortgage and home equity loans through referral partners and community activities.
- Meet with customers and prospective customers at various locations to discuss loan options and provide expert advice.
- Screen loan requests based on bank policies and types of loans offered by the institution.
- Propose and review various loan options with prospective clients and ensure compliance with new rules and regulations.
- Communicate complex approvals or denials to the borrower, real estate agent, or builder.
- Distribute market data, rate flyers, and general loan information to the real estate community as directed by bank management.
- Five years of 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 and Fair Lending laws and regulations.
- Solid computer literacy with accurate data entry skills and proficiency in working with spreadsheet and creating formulas.
This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank in order to obtain sales. Work involves eye strain due to the frequent use of computer screens, reading of reports, completing documents, and so forth. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions. Work involves lifting and moving loan files of up to 15 lbs. Work involves some travel to attend meetings, trainings, real estate office visits, and so forth.
