Community Home Loan Lender

Park National Bank•Violet Township, OH

6d•Hybrid

About The Position

The Community Home Loan Lender will originate portfolio loans, government loans, HELOCs, and fixed-rate loans. This role involves generating residential loans in targeted areas by actively promoting the Bank’s CRA lending efforts. The lender will identify customer needs, analyze financial data, and offer recommendations on mortgage loan products. A key aspect of this role is participating in and/or leading community-related events to build relationships with Realtors, Builders, Community Action Groups, and other stakeholders. The lender will also join and establish relationships with non-profit organizations, Board of Realtors, Home Builders Associations, city and state housing agencies to generate and increase first-time buyer and CRA lending opportunities. Hosting local home buyer education events and providing program/product awareness training are also responsibilities. This role requires minimizing risk exposure by adhering to all federal, state, and internal compliance regulations, policies, and procedures. Maintaining a comprehensive knowledge base of the mortgage industry, products, lending practices, and regulatory guidelines, especially those beneficial to local communities, is essential. The lender must understand and follow the Park National Bank lending policy, procedures, and underwriting requirements, while also maintaining awareness of and adherence to the Bank’s compliance requirements and risk management concepts.

Requirements

Minimum of a high school diploma or equivalent required
Minimum of 2-4 years' experience in the mortgage lending process: processing, underwriting, closing, and originating
NMLS SAFE Act Registration or the ability to be registered within 30 days required.

Nice To Haves

Bachelor's degree in business administration or related field preferred

Responsibilities

Originate portfolio loans, government loans, HELOCs (Home Equity Line of Credit), and fixed rate loans which are sold on the secondary market.
Generate residential loans in targeted areas by actively promoting the Bank’s CRA lending efforts
Identify the customer’s needs, analyze the loan request, financial data and offer recommendations on mortgage loan products
Participate and/or lead community related events to create relationships with area Realtors, Builders, Community Action Groups and others who actively conduct business within the targeted communities
Join and establish relationships with non-profit organizations, Board of Realtors, Home Builders Associations, city and state housing agencies and any other public forums to generate and increase first time buyer and CRA lending opportunities
Host local home buyer education events for the public and provide program and product awareness training for bank partners, Realtors, builders, non-profits, etc., geared toward the housing needs of the local communities, especially first-time home buyers
Minimize risk exposure ensuring Community Home Loan Lenders adhere to all federal, state, and internal compliance regulations, policies, and procedures
Maintain a comprehensive knowledge base of the mortgage industry, mortgage products, lending practices and regulatory guidelines especially programs and products which are beneficial to the local communities
Understand and follow the Park National Bank lending policy, procedures and underwriting requirements
Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
Deliver a consistent, high level of service within our Serving More standards
Other duties as assigned