Sr. Lending Advisor

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 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.

• Develop and maintain 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.
• Prepare required pipeline reports for department administrative purposes.
• Correspond with or interview applicant or others (e.g. creditors) to resolve questions regarding applicant information. Submit loan package to processing for underwriting and coordinate necessary activities and gathering of supporting documents for obtaining approval.
• Analyze applicant financial status, credit and property evaluation to determine feasibility of granting loan. Work with processing and underwriting to ensure all questions are answered and/or to resolve mortgage related problems.
• Interview applicant and request specific information and/or documentation for mortgage loan application.
• Coordinate activities with loan processor and borrower(s) to ensure that proper documentation and verification is obtained.
• Work with the closing department to ensure that the loan is successfully closed.
• Travel 10 - 20%

• 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.
• Demonstrate 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.
• Demonstrate 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.

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• While…