Mortgage Branch Manager

Utah Community Credit Union (UCCU)•St. George, UT

About The Position

The Mortgage Branch Manager receives, reviews, and evaluates mortgage loan requests; meets with applicants to explain credit policies, take applications, and gather required information and documentation; discusses loan alternatives, credit criteria, interest rates, and documentation; analyzes requests and prepares written submissions for the Mortgage Loan Committee; coordinates resolution of credit concerns; assists with processing and closing; conducts mortgage application reviews as assigned; and follows up on matured loans. Lending activities must comply with Credit Union policies and legal requirements. The role directs and administers branch operations, ensures policies and procedures are followed, and promotes prompt, professional service to members and prospective members. The manager oversees branch lending, delegating most consumer lending to the Operations Manager; manages expenses and cost-saving efforts; ensures branch security; and works to improve productivity and meet established goals. The manager trains, directs, and supervises branch staff by coaching the Operations Manager and, through that position, the branch team. Responsibilities include guiding goal setting, holding meetings with branch leadership, determining staffing levels, overseeing accountability and periodic audits, resolving problems, maintaining work quality, cross-selling Credit Union services, and staying current on lending standards and legal requirements. The position builds professional relationships with members, trade professionals, and Credit Union personnel; answers questions and resolves requests; informs borrowers about loan policies and services; coordinates with related departments and branches; supports the Mortgage department; and keeps management informed of branch activity and significant problems. The manager participates in required meetings and committees, including as a member of the Mortgage Loan Committee, completes required reports and records, and works a regular, predictable schedule. Sufficient English fluency is required to process work and business transactions. Other related duties may be assigned. Success includes effective, compliant lending and collections; careful loan analysis; safe and sound lending practices; accurate and timely documentation and reporting; producing $1M to $5M annually in new and refinanced mortgage loans; maintaining strong member and trade-professional relationships; and helping the branch achieve loan, deposit, growth, and service goals.

Requirements

Bachelor's degree in business or a related field, or an equivalent combination of training and work experience.
Three to five years of lending and management experience.
Working knowledge of Credit Union lending and collections programs, branch policies, and procedures.
Familiarity with Credit Union products and property management and maintenance procedures.
Understanding of financial analysis and creditworthiness assessment.
Knowledge of leadership functions and appropriate task delegation.
Excellent communication and public relations skills.
Strong interviewing and analytical abilities.
Strong interpersonal, leadership, and supervisory skills.
Ability to maintain an effective and efficient workflow.
Comfort using a financial calculator, related computer applications, and business machines.
Sufficient fluency in English to process work and business transactions.

Nice To Haves

Mortgage lending, real estate, or origination background.

Responsibilities

Receive, review, and evaluate mortgage loan requests; take applications and gather required information and documentation.
Explain loan alternatives, credit criteria, interest rates, credit policies, and documentation to applicants.
Analyze loan requests and prepare written submissions for the Mortgage Loan Committee.
Coordinate with appropriate parties to resolve credit concerns and assist with loan processing and closing.
Conduct mortgage application reviews as assigned and follow up on matured loans.
Perform lending and related collections in accordance with Credit Union policies and legal and regulatory requirements.
Direct and administer branch operations, ensuring procedures are followed and members receive prompt, professional service.
Oversee branch lending and delegate most consumer lending to the Operations Manager.
Manage branch expenses, pursue cost savings, ensure branch security, and improve operations and productivity to meet goals.
Train, direct, and supervise staff by coaching the Operations Manager and, through that role, the branch team.
Guide goal setting, hold branch leadership meetings, determine staffing levels, oversee accountability and periodic audits, resolve problems, and maintain work quality.
Cross-sell Credit Union services and stay informed about lending standards and related legal requirements.
Build and maintain professional relationships with members, trade professionals, and Credit Union personnel; answer questions and resolve requests.
Coordinate with related departments and branches, support the Mortgage department, and keep management informed of branch activity and significant problems.
Attend and participate in meetings and committees as required, including serving on the Mortgage Loan Committee.
Complete required reports and records and work a regular, predictable schedule.
Maintain accurate, timely, and complete loan documentation, records, and reports.
Produce between $1M and $5M annually in new and refinanced mortgage loans.
Establish and achieve branch loan, deposit, growth, and service goals in coordination with management and Credit Union standards.
Perform other related duties as assigned.