SVP/AZ Mortgage Production Manager

WESTERN STATE BANK•Chandler, AZ

41d

About The Position

At Western State Bank, “what” you know is important, but not as important as how you relate to teammates and customers. Our environment is based on the principles of respect, curiosity, creativity, individual empowerment, and the ability to listen effectively and communicate openly. We also believe in continual learning, bias toward action, keeping commitments, and doing our absolute best every day. We believe that our ability to deliver on our promise of being Your Hometown Bank is a result of these high standards. The Mortgage Production Manager is responsible for successfully developing business with home buyers and home owners and producing compliant mortgage loan applications in accordance with our organization’s mission, vision, values, team guidelines, and business plan. Position is responsible for creating lasting relationships with mortgage loan customers that can extend to solutions for these customers in to other departments within the bank. The Arizona Mortgage Production Manager (AZ MPM) is responsible for providing leadership to the mortgage team, and for forging a solid partnership with Retail and Commercial Banking leadership to optimize growth opportunities in accordance with the vision, core values, and business plan. The AZ MPM is accountable for maximizing mortgage growth and profitability in the market through the development and management of a sales and service plan to deliver both secondary market and portfolio loan solutions that address the customer needs, while maintaining the credit discipline necessary for portfolio lending and for increasing net income performance with a focus on quality, service, production and retention, consistent with the bank’s risk tolerance. The AZ MPM leads a high-performance culture by creating a work environment that supports engagement, innovation, creativity, and teamwork, consistent with the organization’s vision, core values, and team guidelines. Additionally, the AZ MPM will be responsible for personal production as well as this is a producing manager role.

Requirements

Bachelor’s degree in business preferred.
7+ years of experience in Mortgage Lending, portfolio and in-house lending experience preferred, with 3+ years in a management position, leading a team.

Responsibilities

Ensure the department’s profitability by establishing and carrying out the business, consistent with the organization’s vision, core values, and strategic plan; actively communicate and model company philosophy to customers and team
Establish, build, and maintain a mortgage loan portfolio; identify prospects and customer loan/deposit opportunities that meet the bank’s credit risk tolerance; actively analyze risk and monitor quality of the mortgage loan portfolio of both self and team produced loans.
Conduct market analysis and develop new business opportunities, relationships, and product ideas to meet customer needs
Coach and mentor MLO’s to strong adherence to the credit risk tolerance and model behaviors consistent with company expectations
Ensure a high level of coordination with the retail and commercial banking divisions for superior customer experience
Plan, establish, implement and monitor bank policies and procedures in accordance with local, national and federal rules and regulations
Establish and ensure high quality customer care services; resolve escalated customer and team issues
Assist and support in designing bank's products, services, and marketing strategy
Monitor the department's performance, anticipate problems and adjust strategy to protect investments; provide periodic reports to management; assist in budget preparation; coordinate the collection of past due in-house or portfolio loans
Coach and mentor the MLO team, including setting performance goals, monitoring progress, and coaching.
Develop a deep understanding of Western State Bank’s portfolio loan credit profile and lead by example, coach to, and hold team accountable to the standards.
Conform to and lead MLO team in adherence to loan policy; structuring portfolio loans to align with Western State Bank’s loan policy
Minimize exceptions to loan policy and establishes proper mitigants or credit enhancements when an exception to policy is proposed.
Other duties and responsibilities as needed.