Back to search
- Lead, coach, and develop the mortgage leadership team, including Mortgage Loan Officers, Mortgage Underwriter, and other assigned staff.Â
- Partner with the Mortgage Underwriter to ensure consistent coaching, development, and performance management of mortgage processing staff.
- Participate in recruiting, hiring, onboarding, succession planning, and performance evaluations.
- Establish clear expectations and accountability to performance and behaviors aligned with our culture.
- Foster a collaborative, engaged, and high-performing work environment.
- Promote ongoing education and professional development within the department.
Job Duties & Responsibilities:
Strategic Leadership:
- Develop and execute the Bank’s mortgage lending strategy in alignment with the Bank’s strategic plan and business objectives.
- Establish departmental goals, key performance indicators, and performance expectations.
- Evaluate market trends, customer needs, and competitive offerings to identify opportunities for growth and innovation.
- Lead the development and implementation of new mortgage products, programs, promotions, and services.
- Monitor departmental performance and recommend strategies to support growth, profitability, and operational effectiveness.
- Prepare reports and recommendations for Executive Leadership regarding mortgage production, pipeline activity, departmental performance, and market conditions.
Operational Oversight:
- Provide overall leadership and direction for the mortgage department, including loan origination, underwriting, and processing operations.
- Provide functional oversight of mortgage processing through the Mortgage Underwriter, partnering to monitor pipeline capacity, workload distribution, staffing needs, and departmental performance.
- Oversee departmental operations to ensure loans are processed accurately, efficiently, and within established service standards.
- Develop and implement process improvements to enhance operational efficiency, customer experience, and loan quality.
- Oversee mortgage-related systems, technology platforms, and operational tools to support departmental effectiveness.
- Lead departmental initiatives, projects, and technology implementations.
- Establish departmental priorities and performance expectations while empowering leaders to manage daily operations.
- Collaborate with other departments to ensure seamless customer experience throughout the lending process.
Risk Management:
- Promote sound underwriting practices and prudent lending decisions consistent with the Bank’s risk management.
- Monitor loan quality, operational risk, and internal controls while implementing corrective actions as needed.
- Review quality control findings, audit results, and identified deficiencies while ensuring corrective actions are implemented.
- Assist with complex lending scenarios, exceptions, and escalated customer concerns as appropriate.
Compliance & Regulatory Oversight:
- Ensure compliance with all applicable federal and state mortgage lending laws, regulations, investor requirements, and Bank policies.
- Oversee annual investor, agency, and program recertifications, including Freddie Mac, USDA, IHDA,FHLB, SAM.gov, and other applicable programs.
- Ownership over annual appraisers list.
- Monitor regulatory changes and implement operational changes as needed.
- Partner with the Compliance Officer to ensure ongoing regulatory compliance and examination readiness.
- Coordinate departmental responses to internal audits, external audits, regulatory examinations, and investor reviews.
- Ensure required reporting, documentation, and record retention requirements are maintained.
Policy & Governance:
- Serve as the owner of all mortgage-related policies, procedures, and operating standards.
- Develop, maintain, and update departmental policies to reflect regulatory requirements and operational best practices.
- Ensure departmental procedures are documented, communicated, and consistently followed.
Vendor Management:
- Manage relationships with mortgage investors, agencies, technology vendors, and other key business partners.
- Evaluate vendor and technology solutions that support operational efficiency and customer service.
- Partner with the Bank’s Vendor Management Program to ensure ongoing compliance and effective vendor performance.
Sales & Business Growth:
- Originate residential mortgage loans while providing exceptional service to customers.
- Develop and maintain relationships with Realtors, builders, attorneys, title companies, appraisers, and other referral partners.
- Represent the Bank at community events, networking opportunities, and business development activities.
- Support cross-selling efforts by identifying opportunities to connect customers with additional Bank products and services.
- Identify opportunities to expand mortgage production through new referral channels and strategic partnerships.
- Bachelor’s degree in Business, Finance, Accounting, or related field preferred.
- Minimum of seven (7) years of progressively responsible mortgage lending experience.
- Minimum of three (3) years of leadership or management experience.
- Demonstrated experience overseeing mortgage operations, loan origination, underwriting, processing, secondary market activities.
- Experience developing departmental strategies, operational improvements, and business growth initiatives.
Learn more about this Employer on their Career Site
