Senior Mortgage Loan Officer

Civista Bank, a cornerstone in banking with a storied history of customer satisfaction and community involvement, is seeking a Senior Mortgage Lender to expand our mortgage lending services. The ideal candidate will contribute to the bank's tradition of helping customers reach their financial goals by providing high-quality, tailored mortgage solutions. This role demands a deep understanding of mortgage products, market dynamics, and regulatory compliance to optimally serve our diverse client base.

Responsibilities

• Develop and maintain a portfolio of mortgage lending business, identifying and acting on opportunities for growth and expansion.
• Provide expert advice and mortgage solutions to meet the diverse needs of clients while ensuring all loan documentation is complete, accurate, and compliant with internal and regulatory standards.
• Manage the entire loan process, from origination through to closing, ensuring a smooth and customer-focused transaction.
• Evaluate and analyze client financial data to determine eligibility and feasibility of granting loans.
• Stay abreast of new types of loans and other financial services and products to better meet customer needs.
• Collaborate with branch managers and underwriters to underwrite loans, verify the credit decisions, and ensure they meet the risk guidelines.
• Coach and mentor junior lenders and support staff to enhance department performance and expertise.

Required Skills

• Strong knowledge of mortgage products and applicable federal and state regulations.
• Ability to analyze financial data and make informed lending decisions.
• Excellent interpersonal and communication skills.
• Leadership capabilities with mentoring and coaching skills.
• Proficiency in financial modeling and risk assessment.
• High level of customer service orientation and negotiation skills.