Mortgage Manager

Job Summary

Required Qualifications

• •Thorough understanding of the mortgage industry, including current market conditions, economic trends, interest rate environments, fee structures, regulatory developments, and competitive factors
• •Ability to work closely with Real Estate Loan Officers to aid effectively structuring loans, ensure loan quality standards - including quality of borrowers, complete loan applications, pipeline management, ethical behavior, and relationships with Bank and Loan Support associates
• •Leadership and management capability for mortgage processing staff to achieve production deadlines, efficiencies, and operational excellence throughout the transaction process
• •Ability to partner with location managers and Regional Presidents to support branch goals with trained Real Estate Loan Officers that provide excellent customer service for their market and promote performance expectations and professional development
• •Ability to train new mortgage staff; foster a team-oriented work environment that inspires staff to maximize their potential; and maintain performance of mortgage team with continual guidance and support of additional information or training
• •Ability to actively participate in local and state networking events to cultivate productive relationships for the bank (i.e. banking, realtor, and builder trade associations), build and maintain with the loan officer a strong relationship with referral and community partners
• •Ability to maintain relationships with and have excellent working knowledge of all secondary market products; effectively communicate and train Real Estate Loan Officers on changes
• •Ability to analyze and approve department reports and complete certifications with third-party partners
• •Ability to ensure compliance with all applicable Federal, State, and regulatory laws and policies, and internal operating policies, procedures, and audit standards
• •Ability to participate in setting bank wide mortgage goals within the strategic goals of the bank, and communicating mortgage performance results by providing loan reports, to Regional Presidents, Branch Managers, and mortgage department staff
• •Ability to collaborate with Regional Presidents and Human Resources to evaluate staffing and recruitment to help target expanded regional territories with additional Real Estate lenders for growth opportunities
• •Ability to maintain and establish relationships and required paperwork with applicable vendors
• •Ability to routinely review applicable real estate and mortgage policies and procedures
• •Ability to collaborate with marketing to create department marketing and production plans
• •Ability to approve mortgage loan requests within the bank's risk tolerance
• •Ability to provide input to senior management to improve residential mortgage services for the benefit of the customer and financial institution
• •Flexibility and knowledge in all stages of the mortgage process to maintain an efficient and continual flow of mortgage operations
• •Bachelor's degree in finance, Business, or related field
• •5+ years in banking or related occupation
• •Location in Orange City, Iowa

Desired Qualifications

• •Strong ability to lead, mentor, and motivate team to achieve production targets
• •In-depth knowledge of mortgage loan products
• •Risk assessment and decision-making capabilities