Position Summary:

Responsible for management and leadership of the Mortgage Department, which includes the Loan Operations and Mortgage Origination teams. Loan operations underwrites, processes, closes, and services residential mortgage and consumer loans for the Bank. The Mortgage Originators work with prospects, clients, and related third parties to develop relationships and originate a variety of consumer residential mortgages. The Department Manager will work with originators to achieve production goals, and processors to achieve efficient department workflows and accurate output. The Department objectives are 1) Meeting production targets, 2) Maintaining a high quality portfolio, and 3) Maximizing external and internal customer satisfaction. The Department Manager must promote the Bank’s Trusted Financial Advisor model. The Manager must understand and complete job responsibilities in accordance with federal and state regulations, the Bank’s policies, and secondary market requirements.  

Essential Functions:

Management 60%

• Supervises the Loan Operations and Mortgage Origination Teams
• Ensures loan files are administered in compliance with federal and state regulations, the Bank’s loan policy, and secondary market requirements, as applicable
• Facilitates external and internal audits involving the Department
• Promotes a constructive work environment, provides team member role clarity, and effective and efficient processes and procedures
• Develops and leads initiatives to grow the Bank’s market share and the Department’s profitability
• Oversees efforts to develop Originators’ business referral networks through marketing, calling, prospecting, and networking activities
• Stays informed about industry opportunities, makes new product recommendations, and leads the related implementation efforts
• Ensures Originators work in alignment with the Bank’s credit culture and policies

Underwriting and Lender Support 15%

• Oversees underwriting standards for analysis of client information for loan eligibility
• Oversees underwriter standards for review of collateral, appraisal, and property evaluations
• Responsible for ensuring loans meet internal or secondary market guidelines as applicable
• Administers employee loans

System Software 15%

• Manages the Department’s loan software applications 
• Ensures full utilization of all applications and owns key vendor relationships

Additional Duties and Responsibilities 10%

• Develops and monitors work plans that align with the Bank’s strategic goals
• Provides training, coaching, and guidance to support individual and team performance
• Responsible for the management and administration/updating of the Department business continuity plans and program 
• Ensures team member compliance with federal and state regulations, policies, and procedures
• Participates in training and development opportunities as required
• Other job related duties necessary to carry out the responsibilities of this position

Work Relationships and Scope:

Regular contact with co-workers for the purpose of obtaining and providing information and assistance. Works regularly with highly confidential business and client information. Participates in bank committees and events.   

Performance Dimensions:

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; knowledgeable on various bank systems; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; maintains professional workplace appearance and conduct; acts with honesty and integrity in all client and co-worker communications; and understands Bank policies and procedures. Stays current in field and participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank.

Knowledge, Skills and Abilities:

Requires four-year college degree or equivalent experience; five years of banking experience required, commercial or consumer loan operations or underwriting experience preferred, residential mortgage origination and/or administration experience preferred. At least three years management or supervisory experience strongly preferred. Must possess excellent verbal and written communication skills for interacting professionally with clients and co-workers. Must possess excellent computer skills and strong basic math skills. Must be able to deal effectively with time pressures and stress; and have highly effective problem solving and excellent technical research skills. Must be a self-starter and independent thinker and meet goals as agreed to with the CFO.

Working Conditions:  

Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Focused mental and visual concentration for computer usage required. Frequent repetitive use of keyboard for approximately 6 hours per day. Receive and provide detailed information through verbal and written communication. Will alternate sitting, standing, and walking throughout work shift. Bend, lift and carry up to 20 pounds in documents. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns. 

Equipment Used:  

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, Internet, and other bank specific software. Utilizes a variety of office equipment including printer/scanner, and multi-line telephone.