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Mortgage Manager (Mortgage Loan Originator)

Company: Civista Bank
Location: Westlake
Posted on: October 20, 2020

Job Description:

Civista BankDescription: Position Purpose: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 through home loan counseling, real estate agent seminars and sales meetings, and by participating in and promoting the bank's community activities. This position requires the Mortgage Manager to travel to meet customers and prospective customers at various locations.Description of Duties, Responsibilities and Expectations:

  • Travel to meet and solicits 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.
    • Majority of time is to be spent meeting with customers and prospective customers at various locations.
      • Informs prospective clients of the bank's underwriting guidelines and applicable government regulations.
        • Personally interviews all loan applicants.
          • Completes 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.
            • Screens loan requests based on bank policies and on types of loans offered by the institution.
              • Proposes and reviews various loan options with prospective clients.
                • Researches 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.
                  • Personally answers incoming phone calls and schedules appointments. Also travels throughout the local community visiting established or prospective business partner referrals and attends industry functions and community activities to promote the bank's lending products.
                    • Communicates complex approvals or denials to the borrower, real estate agent or builder.
                      • Maintains and submits a source-of-business sales call log weekly to V.P. of Sales.
                        • 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.. Requirements: Qualifications, Knowledge and Skills:
                              • One to two years in a financial institution or loan office setting.
                                • One to two years in a financial institution or loan office setting.
                                  • Bachelor's Degree in Business or Finance or three years equivalent work experience.
                                    • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.
                                      • Above average knowledge of banking industry practices, policies, regulations and laws as it pertains to the consumer/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. Pay Transparency Nondiscrimination Provision: Equal Opportunity Employer EEOC M/F/D/V

Keywords: Civista Bank, Cleveland , Mortgage Manager (Mortgage Loan Originator), Executive , Westlake, Ohio

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