Mortgage Lending Specialist

Civista Bank: A Leading Mortgage Solutions Provider

A career opportunity for experienced professionals to excel in mortgage lending and drive business growth.

About the Role:

The Senior Mortgage Advisor will play a crucial role in originating first mortgage loans, promoting Civista Bank's lending services, and identifying community financial needs. This position requires excellent communication and interpersonal skills to build strong relationships with real estate partners, customers, and prospects.

Key Responsibilities:

• Originate first mortgage loans through referrals from realtors, builders, and other community partners.
• Meet with clients at various locations to discuss loan options and provide personalized service.
• Process loan applications, obtain necessary documentation, and screen loan requests according to bank policies and underwriting guidelines.
• Inform clients about bank underwriting guidelines, applicable government regulations, and proposed loan options.
• Research new legislation and regulations affecting residential lending policies, ensuring compliance by advising senior management and implementing necessary changes.
• Provide exceptional customer service, answering phone calls, scheduling appointments, and communicating complex approvals or denials.
• Distribute market data, rate flyers, and general loan information to the real estate community as directed by bank management.
• Promote and participate in special credit programs and CRA initiatives to enhance community engagement.
• Maintain close contact with local builders, real estate brokers, agents, customers, and prospects to foster business growth and development.

Requirements:

To succeed in this role, you should have:

• At least five years of mortgage lending experience in a financial institution or loan office setting.
• A bachelor's degree in Business or Finance, or three years of equivalent work experience.
• Strong knowledge of banking industry practices, policies, regulations, and laws related to mortgage lending.
• Familiarity with bank compliance requirements, Fair Lending laws, and regulations.
• Proficient computer skills, including accurate data entry, spreadsheet creation, and formula development.
• A high level of initiative, thoroughness, accuracy, and organizational skills.
• Detail-oriented with strong analytical skills and high confidentiality requirements.
• Excellent oral and written communication skills to effectively manage multiple priorities and projects.

Salary Information:

We offer a competitive salary range of $60,000 - $80,000 per year, commensurate with experience, plus benefits and bonuses. The actual salary may vary based on individual qualifications and performance.

Work Environment:

This role requires occasional travel to attend meetings, trainings, and real estate office visits. You should be able to concentrate on tasks under sometimes distracting conditions and lift up to 15 pounds.