East Valley Regional Sales Manager Producing

Arizona Financial Credit Union • Phoenix, AZ

9h • Hybrid

About The Position

The position is responsible for managing the daily operations of the assigned Mortgage Loan Originators (MLOs) within established territory. In addition, this position is responsible for originating mortgage loans and advising borrowers throughout the residential lending experience. Responsible for building effective relationships within the community and participating in events (e.g., Realtor, Title Company, Builder, Chamber meetings, etc.) and other opportunities to educate referral sources about Arizona Financial Credit Union. Promotes an effective sales environment by developing and administering sales training sessions that result in heightened production and service levels. Establishes monthly goals and provide oversight of referral processes and service levels to promote a high-quality member experience. Oversees mortgage commission programs and profitability in alignment with department production targets. Develops and delivers performance trends to SVP/Residential Lending and provides recommendations to increase mortgage referrals and loans. Manages effectively the pipeline of loans to achieve quality loan experience, pull through rates and SLAs. Hours outside of the traditional work hours is required.

Requirements

• Bachelor’s degree (B.S.) or five (5) years’ experience in either the mortgage or financial service industry or any related field.
• Three (3) years’ experience in financial sales management.
• Two (2) years supervisory experience.
• Must have a good understanding of residential lending programs, policies, and procedures.
• Ability to read, write and speak in English.
• Ability to read, analyze and interpret Fannie Mae, Freddie Mac, FHA, and VA loan guidelines along with investor guidelines and policies.
• Knowledge of internal loan programs, financial reports, legal documents, and government regulations.
• Ability to write business correspondence, reports, and procedures.
• Ability to speak effectively when presenting information to groups of membership, management, and Board of Directors.
• Ability to communicate verbally both in person and on the telephone.
• Ability to define problems, collect data, establish facts, draw valid conclusions, and make appropriate recommendations for resolution.
• Ability to apply mathematical concepts.
• In compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008, Arizona Federal employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System and Registry (NMLS or Registry) and obtain a unique identifier (NMLS Number).
• MLOs routinely handle confidential member information and have strict requirements for maintaining the confidentiality and non-disclosure of that information.

Nice To Haves

• Three (3) years’ working experience in Residential Lending (originating, processing, or closing functions).
• Experience in sourcing residential loans.
• Strong working knowledge of mortgage loan origination systems.
• Working knowledge of Episys, Synapsys, Synergy, and other credit union systems.

Responsibilities

• Responsible for development of new business and strengthening of existing relationships by determining a prospect’s needs and selling appropriate product; sells loans for appropriate amounts, rates and terms that comply with secondary market investor’s and/or AFCU’s portfolio lending guidelines; generates necessary reports to track sales production and effectiveness of the region’s marketing programs.
• Responsible for recruiting, hiring, and training licensed mortgage loan originators.
• Exercises administrative control over sales function for assigned branch territories.
• Coaches, motivates, and supports Mortgage Loan Originators to ensure growth and profitability; defines expected production goals for each Mortgage Loan Originator and ensures adequate working knowledge of Encompass.
• Ensures origination of quality loans.
• Provides existing and potential members/borrowers with superior levels of service.
• Generates personal production, if applicable, as well as develop and ensures continuance of good relationships with established realtors, builders, and membership base.
• Understands benefits of all loan products offered and effectively make recommendations to assist borrowers in meeting individual financial needs.
• Educates and promotes other Arizona Financial Credit Union loan and deposit products to borrowers.
• Educates and promotes Arizona Financial Credit Union services (e.g., MAC, AFIS, AFFS, etc.).
• Prepares and presents loan presentations and participate in loan committee discussions.
• Delivers and installs AFCU construction signs and name riders.
• Conducts site inspections of properties in Arizona Financial Credit Union’s field of membership.
• Develops outside referral sources in order to increase the number of lending opportunities.
• Maintains working knowledge of federal, state, and local governments’ and secondary market investors’ policies and guidelines.
• Maintains strong familiarity with current trends in the real estate and mortgage banking industries as well as the company’s operating policies and procedures.
• Creates and maintains synergy with Residential Lending Operations departments.
• Performs other job-related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager