Area Sales Manager (Bilingual Preferred), Direct H

Eastern Personnel Services•Lakewood, OH

1d•Onsite

About The Position

The Area Sales Manager manages regional loan production offices and originates one-to-four family residential mortgage loans. This role adds value as a key member of management, understanding the business, financials, industry, customers, and strategy. The manager supervises employees, provides direction, coaches, trains, develops, and manages performance to company goals and expectations. They develop departmental goals and strategies to support production goals for the loan production office, reviewing and analyzing program effectiveness and recommending changes as needed. The position requires understanding lending division procedures for processing, underwriting, and escrowing mortgage loans, ensuring staff responds to inquiries and troubleshooting situations within residential lending. The manager ensures loan solicitations and decisions are within established standards, monitors origination activity for compliance, assures appropriate records are maintained, and ensures lending compliance with all origination procedures, policies, and requirements. They engage in sales efforts at the customer’s home or place of business, originating one-to-four family residential loans, interviewing applicants, analyzing financial status, and determining the most appropriate mortgage loan program. The role involves making preliminary determinations of credit worthiness and has the authority to issue prequalification statements. The Area Sales Manager responds to customer inquiries, provides advice and service, and coordinates interim and long-term financing for new construction projects. They promote the bank’s Community Reinvestment Act loan program, make sales contacts by participating in community activities, cross-sell the bank's products, and comply with fair lending laws and bank policies. The manager also manages service providers and vendors effectively.

Requirements

High School Diploma or equivalent is required
NMLS is required
10 to 15 years of experience is required
7 to 10 years of experience supervising is required
Experience in mortgage lending is required
Experience with lending laws, regulations, and guidelines is required
Experience in customer service is required
Experience in sales is required
Proficiency in MS Office [Outlook, Excel, Word] or similar software is required

Nice To Haves

Bachelor’s degree is preferred
Experience in finance services or banking is preferred
Bilingual preferred
Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred
CRM software is preferred

Responsibilities

Supervises employees, provides direction, coaches, trains and develops, and manages performance to company goals and expectations.
Develops departmental goals and strategies for approval which support production goals for the loan production office; reviews and analyzes the effectiveness of the programs and recommends changes as needed.
Ensures that loan solicitations and decisions are within established standards appropriate to the loan type; monitors origination activity for compliance and assures appropriate records are maintained; ensures lending compliance with all origination procedures including bank and/or regulatory procedures, policies, and/or requirements; follows existing lending procedures and makes suggestions for improvements to procedures.
Engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business or any office maintained for Sales Team Manager business purposes.
Originates one-to-four family residential loans; interviews loan applicants and analyzes customers’ financial status and earnings to determine most appropriate mortgage loan program; makes preliminary determination of applicant’s credit worthiness and has authority to issue prequalification statement of borrowers’ eligibility.
Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
Provides advice and service to loan applicants requesting mortgage loan information.
Coordinates interim and long-term financing for new construction projects of one-to-four family residences working with appropriate company lenders/managers.
Promotes the bank’s Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
Projects a positive image of the bank and makes sales contacts by participating in community activities, organizations, and business-related functions.
Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.
Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
Other duties as required.