Sr. Lending Advisor

Mechanics Bank • Walnut Creek, CA

12d • Onsite

About The Position

Mechanics Bank is seeking a Sr. Lending Advisor to originate new residential mortgage loans and develop and maintain relationships with realtors, builders, and other referral partners. The role supports conventional residential mortgages and the bank’s portfolio product line, develops referral sources, and builds internal relationships to create cross-sell opportunities. The advisor gathers borrower information, reviews supporting documentation, and coordinates with processing, underwriting, and closing to facilitate timely loan approval and closing in compliance with banking and government regulations. The position represents the bank in the community, refers clients to other banking services when appropriate, and stays informed about local real estate market trends and mortgage rules and regulations. This is an on-site role, with travel throughout the bank’s footprint of less than 25%.

Requirements

• High school diploma or GED required.
• At least 3 years of related lending and banking experience preferred; additional experience may be considered in lieu of a degree.
• Proficiency with MS Word, MS Excel, MS PowerPoint, MS Outlook, and Encompass Loan Originating System (LOS).
• Excellent human relations, communication, and business writing skills.
• Ability to work effectively without direct supervision.
• Effective time-management and organizational skills.
• Ability to demonstrate teamwork in facilitating workflow, cooperate with others, and respond to the Bank’s needs.
• Motivation, enthusiasm, professionalism, and strong team skills.
• Excellent customer service skills.
• Ability to cope with pressure from deadlines, reporting requirements, and training responsibilities.
• Professionalism and confidentiality when handling sensitive information.
• Ability to travel throughout the bank’s footprint to perform required duties; travel is less than 25%.

Nice To Haves

• Three or more years of related lending and banking experience is preferred.

Responsibilities

• Develop and maintain relationships with realtors, builders, and other referral partners to increase mortgage-lending activity.
• Develop and maintain internal relationships to create cross-sell opportunities through mortgage transactions.
• Call on prospective customers and explain loan products and services.
• Prepare pipeline reports for department administrative purposes.
• Correspond with or interview applicants and others, such as creditors, to resolve questions about applicant information.
• Interview applicants and request information and documentation needed for mortgage loan applications.
• Collect and review required documentation and information for processing and approval of mortgage loan requests.
• Submit loan packages to processing for underwriting and coordinate activities and supporting documents needed to obtain approval.
• Analyze applicants’ financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Work with processing and underwriting to answer questions and resolve mortgage-related problems.
• Coordinate with loan processors and borrowers to obtain appropriate documentation and verification.
• Maintain communication with borrowers, referral sources, and key stakeholders throughout the application process to support timely approval and closing and regulatory compliance.
• Work with the closing department to ensure loans close successfully.
• Represent the bank professionally in the community and refer clients for other banking services when appropriate.
• Keep informed about local real estate market trends and changes to private and government-insured mortgage rules and regulations.

Benefits

• Medical, prescription, dental, and vision coverage for employees and 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 and voluntary legal and identity theft services.
• 11 paid holidays, paid sick days, up to 25 paid vacation days, and 16 hours of paid volunteer time per calendar year.
• Free personal checking and savings account.
• Discounted rates on primary residence loans with $0 origination fees, subject to restrictions.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED