Vice President Mortgage Manager

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.

• 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

• 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

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

• 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

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.

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.

Requires four-year college degree or equivalent experience; five years of banking experience required, commercial or consumer loan operations or underwriting experience…