Area Sales Manager; Bilingual

Description

The Area Sales Manager manages regional loan production offices and originates one-to-four family residential mortgage loans.

• Adds value as a key member of management; understands the business, financials, industry, customers and strategy.
• Supervises employees, provides direction, coaches, trains and develops, and manages performance to company goals and expectations.
• Develops departmental goals and strategies for approval which support production goals for the loan production office; reviews and analyzes the effectiveness of the programs and recommends changes as needed.
• Understands the lending division's procedures for processing, underwriting, and escrowing mortgage loans and ensures assigned staff responds to other staff's inquiries regarding loan applications; troubleshoots situations within residential lending.
• Ensures that loan solicitations and decisions are within established standards appropriate to the loan type; monitors origination activity for compliance and assures appropriate records are maintained; ensures lending compliance with all origination procedures including bank and/or regulatory procedures, policies, and/or requirements; follows existing lending procedures and makes suggestions for improvements to procedures.
• Engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business or any office maintained for Sales Team Manager business purposes.
• Originates one-to-four family residential loans; interviews loan applicants and analyzes customers’ financial status and earnings to determine most appropriate mortgage loan program; makes preliminary determination of applicant’s credit worthiness and has authority to issue prequalification statement of borrowers’ eligibility.
• Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
• Provides advice and service to loan applicants requesting mortgage loan information.
• Coordinates interim and long-term financing for new construction projects of one-to-four family residences working with appropriate company lenders/managers.
• Promotes the bank’s Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
• Projects a positive image of the bank and makes sales contacts by participating in community activities, organizations, and business-related functions.
• Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.
• Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
• Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
• Other duties as required.

• High School Diploma or equivalent is required;
  Bachelor’s degree is preferred.
• Certification: NMLS is required.
• Years of experience: 10 to 15 years is required.
• Years of experience supervising: 7 to 10 years is required.
• Experience in mortgage lending is required.
• Experience with lending laws, regulations, and guidelines is required.
• Experience in customer service is required.
• Experience in sales is required.
• Experience in finance services or banking is preferred.
• Bilingual preferred.
• Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.

• Adaptability
• Communication skills
• Customer service
• Interpersonal skills
• Job…