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Civista Bank
Description Position Purpose The Senior Mortgage Lender originates first mortgage loans and promotes the Bank and its lending services to the real estate community referral partners. They identify and serve the community's financial needs and demonstrate Civista Bank's mission to improve the financial lives of our employees and shareholders.
Key Accountabilities, Responsibilities, and Expectations
Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planners, insurance agents and attorneys.
Meet with customers and prospective customers at various locations.
Complete each loan application and all pre‑processing functions, including obtaining all necessary documentation 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 the 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 and ensure compliance 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.
Distribute market data, rate flyers and general loan information to the real estate community as raped by bank management.
Promote and participate in the bank's special credit programs and other CRA programs.
Actively participate in local business and community activities and maintain 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 Sparks equivalent work experience.
Above average knowledge of banking industry practices, policies, regulationsrrüňand laws as they pertain to mortgage lending.
Solid working knowledge of bank compliance requirements, Fair Lending laws and regulations.
Solid computer literacy (Word, Excel) with accurate data entry and spreadsheet skills; ability to become proficient in specific software required for the position.
High level of initiative, thoroughness, accuracy and organizational skills.
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.
Physical Requirements
This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank to obtain sales.
Work involves eye strain due to frequent use of computer screens, reading reports, and completing documents.
Work involves concentration on the matter at hand, even in 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 other business days.
EOE - Race/Sex/Disability/Veteran
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 dutiesալական to this position at any time.
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Description Position Purpose The Senior Mortgage Lender originates first mortgage loans and promotes the Bank and its lending services to the real estate community referral partners. They identify and serve the community's financial needs and demonstrate Civista Bank's mission to improve the financial lives of our employees and shareholders.
Key Accountabilities, Responsibilities, and Expectations
Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planners, insurance agents and attorneys.
Meet with customers and prospective customers at various locations.
Complete each loan application and all pre‑processing functions, including obtaining all necessary documentation 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 the 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 and ensure compliance 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.
Distribute market data, rate flyers and general loan information to the real estate community as raped by bank management.
Promote and participate in the bank's special credit programs and other CRA programs.
Actively participate in local business and community activities and maintain 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 Sparks equivalent work experience.
Above average knowledge of banking industry practices, policies, regulationsrrüňand laws as they pertain to mortgage lending.
Solid working knowledge of bank compliance requirements, Fair Lending laws and regulations.
Solid computer literacy (Word, Excel) with accurate data entry and spreadsheet skills; ability to become proficient in specific software required for the position.
High level of initiative, thoroughness, accuracy and organizational skills.
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.
Physical Requirements
This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank to obtain sales.
Work involves eye strain due to frequent use of computer screens, reading reports, and completing documents.
Work involves concentration on the matter at hand, even in 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 other business days.
EOE - Race/Sex/Disability/Veteran
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 dutiesալական to this position at any time.
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