Mortgage Lending Manager

Centennial Bank•Brentwood, TN

23h

About The Position

The Mortgage Lending Manager solicits residential first mortgages through relationships with realtors, builders, and developers; interviews loan applicants; and makes credit decisions. The position supervises designated Mortgage Loan Originators and/or Mortgage Lender Supervisors and provides strategic direction and leadership to achieve corporate and divisional goals. The manager works with the management team to ensure mortgage production meets strategic and regulatory objectives, quality standards, and compliance guidelines. The role oversees mortgage production and customer service, develops referral relationships, supports originators, and coordinates with branch offices and mortgage operations. It also monitors production goals, service levels, CRA and Fair Lending reports, and required compliance training.

Requirements

Education and experience equivalent to a four-year college degree, plus six years of related experience and/or training and three years of related management experience, or an equivalent combination of education and experience.
S.A.F.E. Act registration through the Nationwide Mortgage Licensing System (NMLS) at the time of employment.
Broad knowledge of fields such as accounting, marketing, business administration, and finance.
Ability to read, analyze, and understand general business or company-related articles and professional journals, and to speak effectively before groups of customers or employees.
Ability to calculate figures and amounts including discounts, interest, commissions, proportions, percentages, area, circumference, and volume, and apply fractions, ratios, and proportions to practical situations.
Ability to solve practical problems with known variables where limited standardization exists and interpret written, oral, or diagram-based instructions.
Intermediate proficiency with 10-key, accounting, and spreadsheet software; basic presentation/PowerPoint and word processing/typing skills.
Ability to carry out supervisory responsibilities, including hiring and training, assigning and directing work, appraising performance, addressing complaints, and resolving problems.
Must be proficient with personal computers and mortgage/banking technology.
Must work well independently and with others.
Must pay close attention to detail.
Six years of combined experience in education and training.
Five years of related management experience as it relates to mortgage projects and systems.

Nice To Haves

Three years of management experience in mortgage.

Responsibilities

Work with assigned branch offices to ensure awareness of home loan products.
Handle branch office referrals and provide appropriate follow-up.
Develop referral relationships with realtors, builders, and professional and personal contacts.
Analyze financial data to determine creditworthiness.
Maintain knowledge of loan products, processing procedures, and underwriting guidelines.
Take borrower applications.
Use communications and access to daily rates, credit reports, and AUS responses, and transmit information to the processor.
Collect appropriate applicant documentation and deliver loan packages to the processor in a timely manner.
Maintain high customer service levels while managing applicants’ and support staff’s expectations.
Attend and participate in required lending meetings.
Supervise designated mortgage originators.
Set and monitor production and income target goals for originators.
Keep originators informed of new products, procedure or product changes, and tools to improve productivity.
Work in the field to support sales and market realtors, closing agents, attorneys, and other centers of influence to aid originator production.
Work with the operations manager to ensure effective flow between production and operations/processing.
Monitor customer service levels.
Monitor and respond to CRA and Fair Lending reports, including developing market strategies.
Work in a constant state of alertness and in a safe manner.
Complete BSA/AML and other required compliance training.
Perform other related duties as required or assigned.