Residential Mortgage Manager

Old Fort Banking Co•Xenia, OH

10d

About The Position

Job Description: Paid vacation available at start 5 PTO Days Paid Holidays Monday - Friday 8:45 am to 5:15 pm, rotating Saturdays 8:45 am to 12:15 pm The Old Fort Banking Company is an employee-owned and operated financial institution, and a privately held subsidiary of Gillmor Financial Services, Inc. Established in 1916, the bank is headquartered in Tiffin, Ohio. Old Fort Bank is known for our strong relationships with our clients and communities we serve. We have: More than 95 associates Approximately 27,541 clients 10 financial centers located in Bettsville, Clyde, Findlay, Fostoria, Fremont, Old Fort, Sugarcreek Township, Tiffin and Xenia. Our Community is Our Cause As a community-first bank, Old Fort Banking Company is proud to be a resource for local groups, organizations, and businesses. From charitable donations to sponsorships and involvement at local events, we take the time to help our communities thrive. Because when they succeed, we all do. It's about more than banking to us — it's about improving the places we call home. We have established ourselves as a high performing community bank, measured in terms of our reputation for extraordinary client service, our ability to attract and retain the best and brightest people, and for the superior financial results we produce. Client Focused At OFBC we are focused on our client relationships. As the Residential Mortgage Manager, you report to the Chief Lending Officer and direct activities of the Residential Mortgage Lending Department. You will assist in the development of mortgage lending policies, procedures, and interest rate structures. The Residential Mortgage Manager is responsible for informing and updating staff regarding any changes and communications with the Loan Operations Department and ensures the regular compliance of loans and monitors the quality and quantity of mortgage loans submitted. Your Role Analyzes potential loan markets to develop prospects for loans. Prepares records and reports as requested regarding loan file activity. Guides and develops the residential real estate activities, training and work assignments for all underwriters, processors and closers. Oversees and recommends upgrades and improvements to financial institution residential lending policies and procedures; ensures that changes to these policies and procedures are implemented as necessary. Reviews changes in secondary market requirements and maintains the financial institutions compliance with any changes. Develops interest rate schedules and pricing. Renders final credit decisions on residential loans. Participates in the development of existing financial institutions residential lending marketing programs for the institution’s products and other services Advises residential real estate loan officers on difficult lending questions or financial institution issues. Facilitates the review and implementation of new software packages for the loan application process through closing. Also, reviews existing software for efficiencies that improve productivity and client service. Writes proposals to expand current residential real estate lending business. Provides regular reports to executive management on the financial institution’s residential real estate lending services. Provides an annual budget for the Residential Real Estate Lending Department. Remain compliant with bank guidelines, policies, procedures, regulatory and BSA requirements. Reasonable accommodation will be provided to qualified individuals with disabilities Other job duties as assigned

Requirements

Bachelor’s degree preferred
3-5 years of mortgage experience
Excellent communication, leadership, analytical and interpersonal skills
Knowledge of Finastra MortgageBot/Avista desired
Ability to maintain confidentiality

Responsibilities

Analyzes potential loan markets to develop prospects for loans.
Prepares records and reports as requested regarding loan file activity.
Guides and develops the residential real estate activities, training and work assignments for all underwriters, processors and closers.
Oversees and recommends upgrades and improvements to financial institution residential lending policies and procedures; ensures that changes to these policies and procedures are implemented as necessary.
Reviews changes in secondary market requirements and maintains the financial institutions compliance with any changes.
Develops interest rate schedules and pricing.
Renders final credit decisions on residential loans.
Participates in the development of existing financial institutions residential lending marketing programs for the institution’s products and other services
Advises residential real estate loan officers on difficult lending questions or financial institution issues.
Facilitates the review and implementation of new software packages for the loan application process through closing. Also, reviews existing software for efficiencies that improve productivity and client service.
Writes proposals to expand current residential real estate lending business.
Provides regular reports to executive management on the financial institution’s residential real estate lending services.
Provides an annual budget for the Residential Real Estate Lending Department.
Remain compliant with bank guidelines, policies, procedures, regulatory and BSA requirements.
Reasonable accommodation will be provided to qualified individuals with disabilities
Other job duties as assigned