Sr. Lending Advisor

Mechanics Bank • Napa, CA

3d • Onsite

About The Position

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 Bakersfield, Fresno, Napa, Sacramento, or San Luis Obispo 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.

Requirements

• High School or GED required.
• 3 years Lending, banking, related experience preferred.
• Additional experience may be considered in lieu of degree.
• 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.

Responsibilities

• 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.

Benefits

• Medical, prescription, dental, and vision coverage for employees and their eligible family members
• Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
• Health Savings Account with employer contribution
• Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
• 401(k) and Roth 401(k) with company contribution
• 529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
• Supplemental Health plans, Voluntary Legal and Identity Theft Services
• 11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
• Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees