SENIOR MORTGAGE LENDER
Company: Civista Bank
Location: Germantown
Posted on: October 8, 2024
Job Description:
Civista BankDescription:Position Purpose:The Senior Mortgage
Lender originates first mortgage loans, promotes the Bank and its
lending services to the real estate community referral partners,
and helps to identify and serve the community's financial needs.
Demonstrates Civista Bank's mission to improve the financial lives
of our employees and shareholders to make a difference in the
communities that we serve. Key Accountabilities, Responsibilities,
and Expectations:
- Travel to solicit first mortgage and home equity loans through
referral partners such as realtor, builders, financial planner,
insurance agents and attorneys, as well as through community
activities and organizations.
- Meet with customers and prospective customers at various
locations.
- Complete each loan application and all pre-processing functions
to include but not limited to obtaining all necessary documentation
from prospective clients as determined by bank policy and
underwriting guidelines.
- Inform prospective clients of the bank's underwriting
guidelines and applicable government regulations.
- Screen loan requests based on bank policies and on types of
loans offered by the institution.
- Propose and review various loan options with prospective
clients.
- Research new legislation and regulations that may affect the
Bank's residential lending policies. Ensures compliance with new
rules by advising senior management and implementing appropriate
changes.
- Answer incoming phone calls and schedule appointments.
- Communicate complex approvals or denials to the borrower, real
estate agent or builder.
- Distributes market data, rate flyers and general loan
information to the real estate community as directed by bank
management.
- Promotes and participates in the bank's special credit programs
and other CRA programs.
- Actively participates in local business and community
activities and maintains close contact with local builders, real
estate brokers and agents, customers, and prospects.
- All other duties as assigned and any activities that support
the key accountabilities.Requirements:Qualifications, Knowledge and
Skills:
- Five + years 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, 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.
- A 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.Job Requirements:
- 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.This Position Description is not
a complete statement of all duties and responsibilities comprising
this position.Nothing in this job description restricts
management's right to assign or reassign duties and
responsibilities to this position at any
time.PI05ecff28559c-26289-35474564
Keywords: Civista Bank, Middletown , SENIOR MORTGAGE LENDER, Accounting, Auditing , Germantown, Ohio
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