Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive. As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards. We are looking for a seasoned Mortgage Lender to join our California team. Our main focus in this role is soliciting and bringing in mortgage business for the bank through previous contacts, relationships, and referrals from real estate agents, builders, developers and branches.
Essential Functions:
Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches. Ensure compliance with regulatory guidelines in the performance of loan originator duties. Interviews potential applicants to develop information concerning their needs, desires and other information. Obtains and review pertinent financial and credit data. Responsible for assisting customers with information about loan types and interest rate options, locking interest rates as requested by the customer, preparing and sending initial disclosures to customers and submitting information to automated underwriting software. Ensures any re-disclosures are made timely. May order appraisals through our systems, arrange for title search and obtain necessary documents. Responsible to communicate with the customer throughout the process and work with processors through closing. Originates residential home loans. Keeps informed of trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages. Develops and maintains internal relationships to drive cross-sell opportunities for other bank products. Other duties as assigned.
Qualifications:
Requires a college degree and 4+ years of mortgage lending origination experience required, including residential construction experience or other directly related experience. A combination of education and experience may meet requirements. Advanced knowledge of mortgage lending, processing, credit analysis, mortgage laws and regulations Ability to successfully solicit loans. Good problem solving skills. Ability to work independently. Strong interpersonal skills Demonstrated ability to handle multiple priorities. Strong verbal and written communication skills Ability to work effectively in high pressure environment. Ability to work with various types of computer software, including mortgage specific software. This position is eligible for hourly state minimum wage plus commission. Commission is calculated based on financed loans that meet customer qualifications and lender requirements.
Benefits:- Medical, Dental and Vision Insurance - START DAY ONE! Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
- Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
- Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
- 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
Mental health benefits including coaching and therapy sessions. Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire. Employee Ambassador preferred banking products.
