SVP/Mortgage Sales Team Leader

First Northern Bank of Dixon•Sacramento, CA

4h•$140,000 - $150,000

About The Position

This role is being backfilled in preparation for an upcoming retirement to support a smooth transition. What Youll Do The Mortgage Sales Team Leader will be responsible for expanding and managing the consumer lending program, including mortgage products and Home Equity Lines of Credit (HELOCs). This role will enhance policies, procedures, and products, ensure compliance with all regulatory requirements, and assemble a high-performing team. The ideal candidate will have deep knowledge of mortgage and consumer lending, strong leadership skills, and a proven ability to drive growth and profitability while maintaining operational efficiency.

Requirements

Strong analytical and problem-solving abilities
Bachelors degree in business, finance, or related field required
Minimum 7 years of mortgage lending experience, with at least 3 years in a leadership role required, or Equivalent combination of education and experience
Extensive knowledge of the mortgage business including secondary market underwriting guidelines, complex financial documents, wide range of different mortgage products and other skills necessary for success
Experience with community banking and local market dynamics
Familiarity with mortgage technology platforms and LOS systems

Nice To Haves

MBA preferred

Responsibilities

Develop and execute a consumer lending strategy focused on first mortgages and HELOCs, aligned with the Banks strategic goals.
Monitor market trends and customer needs to make recommendations for potential future consumer lending products as the Bank evaluates opportunities for growth.
Maintain and modify mortgage and consumer lending products, pricing strategies, and underwriting guidelines, as necessary.
Develop marketing strategies to promote consumer lending products and services.
Be fully accountable for the growth, profitability, and long-term success of the consumer lending business line, ensuring sustainable performance and competitive positioning.
Ensure compliance with federal and state regulations, including RESPA, HMDA, ECOA, Reg Z, TRID, FCRA, Flood, and other applicable laws.
Drive origination volume through relationship-building, community engagement, strategic partnerships, and a strong internal referral culture that fosters collaboration across the organization.
Maintain strong internal controls and risk management practices.
Oversee quality assurance and audit processes for mortgage and consumer lending operations.
Recruit, train, and manage a team of mortgage loan officers, processors, and support staff.
Foster a culture of accountability, customer service excellence, and continuous improvement.
Implement efficient workflows and technology solutions to streamline the lending process.
Monitor performance metrics, loan quality, and profitability.