- Develops and maintains relationships with referral sources such as realtors, builders, and other referral partners, etc., to increase mortgage-lending activities.
- Developing and maintaining internal relationships to create cross-sell opportunities by leveraging the mortgage transaction. Calls on prospective customers and explains loan products and services.
- Prepares required pipeline reports for department administrative purposes.
- Corresponds with or interviews applicant or others (e.g. creditors) to resolve questions regarding applicant information. Submits loan package to processing for underwriting and coordinates necessary activities and gathering of supporting documents for obtaining approval.
- Analyzes applicant financial status, credit and property evaluation to determine feasibility of granting loan. Works with processing and underwriting to ensure all questions are answered and/or to resolve mortgage related problems.
- Interviews applicant and requests specific information and/or documentation for mortgage loan application.
- Coordinates activities with loan processor and borrower(s) to ensure that proper documentation and verification is obtained.
- Works with the closing department to ensure that the loan is successfully closed.
- High school diploma or GED is required.
- Minimum of 3 years of lending, banking experience
- Sr. Lending Advisor and/or Lending Advisor positions are expected to adhere to Bank policies and procedures designed to comply with the S.A.F.E. Act regulations. In addition, Sr. Lending Advisor and/or Lending Advisor must register under the S.A.F.E. Act and ensure their registration is kept current while acting as an originator of home secured loan (home equity loans and lines of credit).
- Proficient with: MS Word, MS Excel, MS PowerPoint, MS Outlook, Encompass Loan Originating System (LOS).
- Possess excellent human relations, communications and business writing skills.
- Ability to work effectively without direct supervision.
- Possess effective time management and organizational skills.
- Demonstrates teamwork in facilitating workflow.
- High level of cooperation with others and is responsive to the Bank's needs.
- Exemplary motivation, enthusiasm, professionalism and team skills.
- Demonstrates with excellent customer service skills.
- Ability to cope with pressure resulting from meeting required deadlines, reporting requirements and training responsibilities.
- Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information.
- Must be able to travel throughout bank's footprint to perform required duties (less than 25%)
- Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.
- Please view Equal Employment Opportunity Posters provided by OFCCP here.
- To learn more about Mechanics Bank's California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit
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Sr. Lending Advisor - Walnut Creek, United States - Mechanics Bank
Description
Mechanics Bank is currently searching for a Sr. Lending Advisor to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site in either our Walnut Creek, Roseville or Irvine offices.Originates new residential mortgage loans. Establishes and maintains relationships with realtors, builders and other referral partners in order to develop and retain existing business and new mortgage lending business for the bank, including conventional residential mortgage and a strong portfolio product line. Develops effective referral sources to generate loans. Connects with borrowers and obtains necessary information to accurately complete a loan application and maintains strict confidentiality with the information received. Collects and reviews required documentation and information necessary for processing and approval of the mortgage loan request. Maintains appropriate communication with borrower(s), referral sources and key stake holders, throughout the loan application process to ensure approval and closing in a timely manner as well as be in compliance with banking and government regulations. Professionally represents the bank in the community and refers clients for other banking services as appropriate. Keeps informed on trends and developments in the local real estate market as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
What you will be doing:
Pay Range: $16.00 hourly + Commission
Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data.
