On January 3rd 1966, in the back of a grocery store, First Federal Savings Bank opened our doors. Dick Belcher, CEO and founder, along with the board, envisioned a bank where friends and neighbors would feel like family. Our focus on people has allowed us to grow to be more than just a bank. We have expanded to 6 branches all over Northern Indiana and are considered to be a leading mortgage lender in Indiana.

Our mission statement says it very well: First Federal’s mission is to serve our customers with the newest, competitively priced products delivered to them with state-of-the-art technology; to provide to all First Federal Family members a favorable working environment with reasonable compensation and benefits; and to treat all customers and First Federal Family members in the manner that all would like to be treated.”

To simplify our beliefs and culture into a phrase, Dick Belcher says it best when stating, “We don’t want to be the biggest bank, just the best.”

Branch Sales Manager-Mishawaka

Department: Loan

Reports to: VP of Mortgage Lending

Supervises: Mortgage Staff within Branch

Company Core Values:

• Respect/Golden Rule
• Commitment to Serve
• Flexibility
• Integrity
• Have fun!

Job Summary:

Build on and Develop team atmosphere to expand market share. Coordinates and supervises all aspects of mortgage operations within the Branch. Has a very strong working knowledge of the St Joseph county market and areas westward.

Proactively solicits new residential mortgage business. Also continually identifies, develops and maintains a quality network of business relationships. Interview prospective borrowers in order to analyze financial and credit data determining customer’s financial objectives, advise customers of product/pricing policies and guidelines, and gathers required information. Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements. Demonstrates a commitment to professional ethics by complying with all federal and state compliance policies and adhering to HMDA requirements.

Major Duties & Responsibilities:

• Meet with loan applicants to gather personal information and answer questions.
• Explain different types of loans and the terms of each one to applicants.
• Obtain, verify, and analyze the applicant’s financial information, such as the credit rating and income level.
• Review loan agreements to ensure that they comply with federal and state regulations.
• Complete each loan application and all pre-processing functions in a timely manner.
• Must be able to manage a team of Loan Originators and mortgage staff, and lead by example.
• Establish, maintain, and expand market presence in current market and surrounding areas.
• Recruit, mentor and train additional LO’s and other mortgage staff as needed.
• Coordinate and drive mortgage volume within your area, through community involvement and outreach.
• Approve expenses and billings for the mortgage side of the Branch.
• Work with departmental managers to provide consistent feedback and mentoring of mortgage staff.
• In depth knowledge of Bank policies, procedures and products in order to answer customer inquiries, and drive cross selling opportunities.
• Team with Branch Retail Manager to cross sell and build full banking relationship with customers.

Knowledge, Skills & Abilities:

• Ability to communicate clearly and effectively, both verbally and in writing.
• Professional and effective interpersonal skills.
• Strength in Management & Recruiting.
• Strong training and mentoring skills.
• Maintain security and confidentiality of customer’s information.
• Ability to work in a fast paced environment and complete work with accuracy.
• Knowledge of all applicable lending regulations.

Education & Experience:

• High School diploma or equivalent.
• Preferred Bachelor’s degree.
• Minimum of 5 years mortgage lending experience.
• Past supervisory role preferred.

Other Duties:

This job description in no way should be construed as a contract for employment. These job duties may be subject to change at any time due to reasonable accommodation or other reasons. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Company Conformance:

In the performance of respective tasks and duties, the employee is expected to successfully perform quality work within deadlines with or without supervision, interact professionally with other employees, customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.

Physical/Work Environment:

In the performance of respective tasks and duties, the employee is expected to successfully perform the essential functions of the position. Reasonable employee accommodations for physical or mental disabilities will be considered on a case-by-case basis. While performing duties, the employee is required to sit, talk, hear, lift up to 20 pounds, and may be required to work evenings and/or weekends, attend remote meetings and/or travel.

Fair Lending & Bank Secrecy Act:

In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Fair Lending, HMDA and Bank Secrecy Act regulations and all other regulatory, security and bank policies.

First Federal Savings Bank is an Equal Opportunity Employer