Banking - Senior Loan Processor

Mechanics Bank is currently searching for a Sr. 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. 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 stakeholders, 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 do: Develops and maintains relationships with referral sources such as realtors, builders, and other referral partners 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.

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.

Travel 10 – 20%

3 years lending, banking, related experience preferred.

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.

High level of cooperation with others and is responsive to the Bank's needs.

Demonstrates with excellent customer service skills.

Ability to cope with pressure resulting from meeting required deadlines, reporting requirements and training responsibilities.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. 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

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; 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.

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 California Privacy Policy for Prospective Employees | Mechanics Bank.

[1] The benefits listed in this job posting reflect the Bank's most reasonable and genuinely expected benefits offered for this position.

#