Vice President Mortgage Manager

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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

• 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

• 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

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

Additional Duties and Responsibilities

• 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

Requirements

• Requires a 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. Frequent repetitive use of keyboard for approximately 6 hours per day. Hours of work are generally during regular business hours, with some variation for special projects, deadlines, and community events.

Seniority Level

Executive

Employment Type

Full-time

Job Function

Finance and Sales

Industries

Banking

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