Mortgage Lending Sales Manager
- Anchorage, AK
- Permanent
- Full-time
Manages the Mortgage Loan Origination Section and directs the origination of all residential, 1-4 family, and multi-family loans statewide ensuring annual loan volume goals are met by performing the following essential duties and responsibilities:ESSENTIAL DUTIES AND RESPONSIBILITIES
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Directs all residential mortgage origination staff activities including loans sold to the secondary market and held by the bank for investment to increase the bank's mortgage market share.
- Leads the section's sales and business development efforts by providing sales and relationship development training to mortgage loan originators and ensuring they develop, implement, and maintain an effective business development plan; works with the division head in coordinated efforts to obtain long-term loans for the bank's construction customers.
- Ensures the section's mortgage lending activities comply with underwriting, investor/insurer guidelines, federal regulations, and bank policies; formulates and implements mortgage lending procedures and recommends new or revised policies; ensures compliance training of mortgage loan originators is current.
- Analyzes and inspects responses to all internal and external audits and quality control reviews related to loan origination for accuracy and completeness prior to submissions; reviews and responds to audit findings and implements appropriate follow-up action.
- Develops relationships with corresponding investors, the general public, local governments, non-profit organizations, Native Housing Authorities, and other housing issue groups to assist in community and business development; represents the bank and serves as a subject matter expert.
- Maintains awareness of trends and developments in the economy, local and national real estate, insured-mortgage and government-backed markets. Works with marketing staff to develop an annual mortgage lending marketing and advertising campaign and makes recommendations for modifications based on market trends and changes.
- Performs other work-related duties as assigned by supervisor.
- Ensure business unit's operations comply with bank policy, procedures, and banking regulations (for business unit heads).
- Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time.
- Stay up-to-date on relevant laws and regulations.
- Ensure you and your delegates comply with the bank's policies, procedures, laws and regulations.
- Maintain customer confidence and protect the bank's operations by you and your delegates identifying and protecting confidential information.
Maintains and implements operations components of the business unit's Business Continuity Plan; conducts periodic tests, cross trains and evaluates delegates' ability to perform critical and essential functions to restore operations.SUPERVISORY RESPONSIBILITIES
Manages the Mortgage Loan Origination section. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. QUALIFICATION REQUIREMENTS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.EDUCATION and/or EXPERIENCE:
Minimum: Bachelor's degree in business with emphasis in marketing, accounting, finance, and six years' progressively responsible investor lending, loan origination, real estate sales, or commercial lending experience; or eight years' progressively responsible investor lending, loan origination, real estate sales or commercial lending experience; or equivalent combination of education/training and experience. Working knowledge of FHA/VA, AHFC, FNMA, and other lending programs. Two years supervisory / management experience.
Preferred: Bachelor's degree in business with emphasis in marketing, accounting, finance, and seven years progressively responsible investor lending, loan origination, real estate sales, or commercial lending experience; or nine years' progressively responsible investor lending, loan origination, real estate sales or commercial lending experience; or equivalent combination of education/training and experience. Working knowledge of FHA/VA, AHFC, FNMA, and other lending programs. Four years supervisory / management experience.SKILLS and ABILITIES:
Ability to keyboard 35 wpm required; windows-based word processing and spreadsheet experience required.LANGUAGE SKILLS:
Ability to read, analyze, and interpret common business journals and technical manuals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively communicate both verbally and in writing with customers and all levels of bank employees.MATHEMATICAL SKILLS:
Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.REASONING SKILLS:
Ability to define problems, collect data, establish facts, assess risk, draw valid conclusions and make sound decisions based on those conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several variables.LICENSES, CERTIFICATES, AND REGISTRATIONS:
Must be registered with NMLS with no history of complaints or violations. Must be in good standing with housing agencies including but not limited to HUD, VA, Fannie Mae and Freddie Mac.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl.The employee must occasionally lift and/or move up to 25 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.WORKING CONDITIONS
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.The noise level in the work environment is usually moderate.Some travel to remote sites via automobile, boat, or plane necessary. Must be willing to travel to branches statewide.