Mortgage Lending Manager, Officer, Hybrid

Description

The Mortgage Lending Officer supports Senior Retail Lenders and divisional leadership by providing guidance on mortgage products, pricing and complex loan structures, including construction lending. This role provides direction and support to the Mortgage Business Analyst, LOS Administrator, and Senior Mortgage Underwriter, ensuring alignment across lending, underwriting, and secondary market requirements. This role is also responsible for ongoing seller/servicer eligibility through coordination with investor and compliance partners.

• Provide product, pricing, and loan-structure guidance
• Provide direction and functional oversight to Mortgage Business Analyst, LOS Administrator and Senior Mortgage Underwriter
• Compliance & Regulatory Adherence
• Serve as a liaison across lending, underwriting and compliance
• Monitor and support secondary market readiness
• Identify process, system, or policy improvement opportunities

• Respect:
  Model respectful behavior and set clear expectations for others.
• Client Focus:
  Deliver consistent, high-quality service that builds trust and loyalty.
• Inclusion:
  Encourage diverse viewpoints and contributions in decision-making collaboration.

• Leadership: A collaborative leadership style that empowers others and inspires creative, out-of-the-box thinking.
• Integrity:
  Strong business ethics and honest behaviors.
• Collaboration:
  
  Positively works with others to achieve shared goals and outcomes.
• Volunteerism: A recognized and visible presence in serving our communities.

• Accountability:
  Demonstrates accountability by owning underwriting decisions and ensuring accuracy, compliance, and quality outcomes.
• Innovation:
  Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges.
• Professionalism:
  Reflects skill, good judgment, and positive conduct.

Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals, and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams.

• Provide strategic oversight and leadership for all mortgage lending functions across Portfolio, Agency and Home Equity Lending.
• Drive consistency through clear policies, procedures, and escalating pathways.
• Establish lending standards that align with institutional risk appetite while supporting responsible loan growth.
• Act as final or designated credit authority for complex, high-risk, or policy exception requests.

Title of Mortgage Lending
-Officer, AVP, or VP is dependent on education level, years of experience in the areas listed below:

• Mortgage Products & Structuring Expertise - Demonstrates advanced knowledge of mortgage products, pricing and complex loan structures to support sound, compliant lending decisions.
• Functional Leadership & Alignment - Provides effective direction and support to key mortgage support functions to ensure consistent alignment across lending, underwriting, and secondary market requirements.
• Secondary Market Governance - Maintains secondary market readiness by ensuring ongoing seller/servicer eligibility and coordinating effectively with investor and compliance partners.

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross-functional opportunities that foster growth and learning.

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily. A skills inventory is listed below. A high school diploma or general education degree (GED) is required, with 5+ years of experience, extensive knowledge of Investor guidelines and Regulatory requirements. A background screening will be conducted.

LANGUAGE

SKILLS:

Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.

TECHNOLOGY

SKILLS:

Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience and proficiency of LOS systems such as Empower, including reviewing complete electronic loan files, tracking conditions, documenting underwriting decisions, and managing workflow efficiently.

MATHEMATICAL

SKILLS:

Ability to add, subtract, multiply, and divide in all units of measure. Demonstrates advanced mathematical aptitude to accurately calculate and analyze loan-to-value, debt-to-income ratios…