Credit Manager (MBG)

Bank of Guam•Hagåtña, GU

10h

About The Position

Responsible for leading and overseeing all aspects of the mortgage origination process, including sales, underwriting, and loan processing functions. This role ensures the efficient, compliant, and customer-focused delivery of mortgage products, while driving departmental performance and supporting the bank's strategic growth objectives.

Requirements

Strong sales ability or aptitude with proven business development skills.
Must demonstrate a professional manner with good presentation skills, and present a well-groomed, business-like appearance.
Ability to communicate verbally and in writing, provide superior customer service, and work well with others is required.
Motivation and initiative are essential, along with skills in organization and flexibility in scheduling.
Ability to use and/or learn industry related software specific to Bank and the department and to utilize standard business related software is required, Microsoft Office preferred.
Flexibility to participate in civic/community activities, work a flexible schedule and travel based on department need is required.
Strong sales ability or aptitude with proven business development skills.
Strong calling/portfolio management experience and previous supervisory experience
Computer Skills in Microsoft excel, Microsoft word, PowerPoint, Visio etc.
Effectively leading and supporting a team to ensure they consistently achieve their performance goals.
Bachelor's Degree or the equivalent business related experience required.
Minimum 10 years Real Estate Banking, with strong calling/portfolio management experience and previous supervisory experience required.

Responsibilities

Provide Direction and Guidance to Mortgage Loan Officers
Maintain staff by recruiting, selecting, orienting, and training as needed.
Lead, influence, and build camaraderie within the department.
Manage/direct, articulate and communicate performance expectations, short term and long term strategic goals to the staff.
Provide Assistance to other Branches/Departments relating to Real Estate Lending Issues
Acts as Liaison of the Bank of Guam to respective Housing Agencies and Third Party Service Providers
Administer the monthly, quarterly and annual reports to FHLMC, FHA, RD, VA and Executive Committee
Advise customers, where possible, on business management and financial matters
Serve as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services
Develop and implement strategies to achieve mortgage production goals and enhance customer experience
Build and maintain strong relationships with internal and external stakeholders, including customers, realtors, title companies, appraisers, and other third-party vendors to support seamless mortgage transactions and enhance service delivery
Demonstrate brand behaviors through daily interactions with management, colleagues, and internal and external customers.
Demonstrate highly developed leadership and communication skills, both written and oral.
Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities
Represent/participate in Bank sponsored events and community outreach programs.
Review loan files in excess of Individual Loan Officer’s authority
Develop and manage all real estate loans, FHLMC, VA, FHA, RD, ARMs accounts which meet established lending requirements and which provide maximum profitability to the bank with minimum risk
Initiate, develop, forward and follow-up all reports required by FHLMC, FHA, RD, VA, FNMA and other appropriate government entities
Monitor all construction drawdown
Review and prepare loan package and documentation following underwriting guidelines and policies
Prepare loan documentation file
Interview loan applicants, collect, and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request
Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements
Coordinate special documents to cover unusual loan terms with legal department
Ensure all title issues are met and that real estate loan is properly recorded
Review and analyze title report to determine issues and any present or potential risk
Enter loan information into computer database or log
Update tickler system to not funding activities, interest rate settings, and billings
Examine loan terms, set interest rates, and ensures loan is funded within established time frames
Complete all other duties/tasks and projects as assigned to meet the needs of the department or business.
Ensures Real Estate Lending Policies and Procedures are adhered to
Monitors Interest Rate Trends
Ensures the payment of taxes and insurance
Administer the payment of taxes and insurances
Monitor the monthly certification and reconciliation of loan trust fund and deferred fees completed by branches
Maintain and adhere to the provisions of the Banker’s Code of Conduct and Ethics at all times
Monitor loan repayment activities and take necessary action to collect from past due accounts
Ensure all mandated training for yourself and the team is completed on time
Meets or exceeds annual real estate loan production goals established each year.
Meets or exceeds established individual annual real estate loan delinquency goals each year.
Meets or exceeds annual fee income goals established each year.
Demonstrates excellent customer service skills on the telephone as evidenced by management observation and customer comments.
Responds to requests and/or questions by the end of the workday in keeping with Bank's Policy.