Mortgage Branch Manager

UCCU•St. George, UT

20h

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 necessary loan 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 assigned mortgage application reviews; 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 makes sure members and prospective members receive services promptly and professionally. Responsibilities include managing branch expenses, pursuing cost savings, ensuring branch security, improving operations and productivity, overseeing branch lending, and delegating most consumer lending to the Operations Manager. The manager trains, directs, and supervises branch staff by coaching the Operations Manager and, through that role, the branch team. The position guides goal setting and achievement, holds regular meetings with branch leadership, determines staffing levels, oversees accountability and periodic audits, resolves problems, maintains work quality, and cross-sells Credit Union services. The manager maintains professional relationships with members, trade professionals, and Credit Union personnel; answers questions and resolves requests; keeps borrowers informed about loan policies and services; coordinates with related departments and branches; supports the Mortgage department; and keeps management informed about branch activity and significant problems. The position participates in required meetings and committees, including the Mortgage Loan Committee, completes required reports and records, and works a regular and predictable schedule. Other related duties may be assigned as needed. Success includes effective, compliant lending and collections; accurate, timely, and complete loan documentation and records; production of $1M to $5M annually in new and refinanced mortgage loans; strong member and trade-professional relationships; well-trained and efficient branch staff; and achievement of branch 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 determining creditworthiness, 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.
Ability to use 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, and origination backgrounds are preferred.

Responsibilities

Receive, review, and evaluate mortgage loan requests; meet with applicants, explain credit policies, take applications, and gather required loan information and documentation.
Discuss loan alternatives, credit criteria, interest rates, and documentation with applicants.
Analyze loan requests and prepare written submissions for the Mortgage Loan Committee.
Coordinate with appropriate parties to resolve credit concerns; assist with loan processing and closing; conduct assigned mortgage application reviews; and follow up on matured loans.
Complete lending work in accordance with Credit Union policies and legal requirements, and stay informed about changes in lending standards and related legal requirements.
Direct and administer branch operations, ensuring policies and procedures are followed and members and prospective members receive prompt, professional service.
Manage branch expenses, pursue cost-saving measures, ensure branch security, and improve branch operations and productivity to meet goals.
Oversee branch lending and delegate most consumer lending to the Operations Manager.
Train, direct, and supervise branch staff by coaching the Operations Manager and, through that role, the branch team.
Guide goal setting and achievement, hold regular meetings with the branch leadership team, and determine appropriate staffing levels.
Oversee individual accountability and periodic audits; help resolve problems; maintain the quality of branch work; and cross-sell Credit Union services.
Build and maintain professional relationships with members, trade professionals, and Credit Union personnel; answer questions, resolve requests, and keep borrowers informed about loan policies and services.
Coordinate with related departments and branches, support the Mortgage department, and keep management informed about 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.
Effectively perform lending and related collections functions; analyze and evaluate applications; ensure safe and sound lending practices; and 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.