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Civista Bank · 1 month ago

Senior Mortgage Lender

Fort Mitchell, KY

Full-time

Onsite

Senior Level

5+ years exp

Civista Bank is seeking a Senior Mortgage Lender who will originate first mortgage loans and promote the bank's lending services within the community. The role involves meeting with clients, managing loan applications, ensuring compliance with regulations, and actively participating in local business activities.

BankingFinanceFinancial Services

Responsibilities

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

Qualification

Mortgage Lending experienceBanking industry knowledgeBank compliance requirementsComputer literacyAnalytical skillsOrganizational skillsCommunication skillsInitiativeDetail oriented

Required

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