Senior Mortgage Lender

• 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.

• 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.

• 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.

Civista Bank