Consumer Direct Branch Manager

Position: Consumer Direct Branch Manager

Department: Sales

Location: Corporate Office, 7450 Campus Dr Suite 200 Colorado Springs, CO 80920

Remote:  Yes: ☐ No: ☒

Exempt: ☒ Non-exempt: ☐

Compensation & Benefits: $100,000 – $150,000 annually, offset against commissions

Mortgage Solutions of Colorado, LLC d/b/a Mortgage Solutions Financial (“MSF”) offers a comprehensive benefit package and PTO (paid time off) for eligible employees. The benefit package includes Health, Dental and Vision Insurance, options to participate in a Health Savings Account, Flexible Spending Account, Life and AD&D coverage, voluntary Short-Term, Long-Term Disability and Supplemental insurance. In addition, eligible employees have the option to participate in a company retirement plan.

Role Overview

The Consumer Direct Branch Manager is responsible for leading a centralized sales team that focuses on company-generated leads and inbound inquiries. A primary aspect of this role is the mentorship and development of aspiring and new Loan Officers. This manager oversees a "sales floor" environment, ensuring high lead-to-conversion ratios, maintaining strict adherence to phone etiquette and scripting, and fostering a high-energy culture of growth. This is a leadership-focused role that prioritizes team production and professional development over personal production.

Essential Duties

• Direct the training program for aspiring Loan Officers and Loan Officer Assistants. This includes coaching on sales techniques, product knowledge, and the NMLS licensing process.
• Oversee the distribution and conversion of company-provided leads. Monitor CRM data to ensure timely follow-up and maximize the Return on Investment (ROI) of lead spend.
• Audit team pipelines daily to ensure loans are moving efficiently from application to disclosure and into processing.
• Maintain a high-energy, disciplined and positive sales environment. Conduct daily "stand-up" meetings to review goals, overcome objections, and celebrate daily wins.
• Develop and refine phone scripts to ensure all team members are communicating MSF values and mortgage options effectively and compliantly.
• Monitor Key Performance Indicators (KPIs) such as outbound call volume, talk time, lead-to-app ratios, and pull-through rates.
• Identify and interview entry-level sales talent with the potential to grow into top-tier mortgage professionals.
• Work closely and partners with the Marketing department to provide feedback on lead quality and with the Operations team to ensure files meet quality standards before submission.
• Review team loan files to ensure compliance with federal and state regulations, as well as MSF internal guidelines.
• Maintain regular, reliable and predictable on-site attendance, which is an essential function of this role.
• Perform other duties as assigned.

Knowledge, Skills & Abilities

• A passion for teaching and a proven ability to turn entry-level talent into high-producing Loan Officers.
• Proficiency in Lead Management Systems (Encompass) and automated dialing technology.
• Understanding of the Consumer Direct model, which differs from traditional retail in its pace and lead-handling requirements.
• Ability to interpret lead data and conversion reports to identify training gaps.
• Strong grasp of TRID, RESPA, TILA, and telephone solicitation laws (TCPA).
• Ability to maintain team morale and focus in a repetitive, fast-paced environment.

Technical Proficiency & Program Knowledge

• Government Lending Expert: Expert-level proficiency in FHA and VA loan programs, including a deep understanding of DE (Direct Endorsement) and SAR (Staff Appraisal Reviewer) guidelines, occupancy requirements, and mortgage insurance structures.
• Agency Guidelines: Strong working knowledge of Fannie Mae (FNMA) and Freddie Mac (FHLMC) conventional guidelines, as well as USDA rural housing programs.
• Advanced Income Analysis: Ability to train junior staff on complex income calculations, including self-employed borrowers, rental income, and analyzing personal and business tax returns.
• Automated Underwriting Systems (AUS): Expert proficiency in navigating Desktop Underwriter (DU) and Loan Product Advisor (LPA) to troubleshoot findings and resolve eligibility issues.
• Product Fit Mentorship: Skill in teaching Loan Officers how to "structure" a deal by selecting the optimal loan product based on the borrower’s specific financial profile and long-term goals.
• Compliance Mastery: Thorough understanding of Disclosure requirements (LE/CD timelines), Fair Lending practices, and the Ability-to-Repay (ATR) / Qualified Mortgage (QM) rules.

Education & Experience

• High school diploma or equivalent is required; Bachelor’s degree preferred.
• 3 years of management experience in a mortgage Consumer Direct or call-center mortgage environment.
• Proven track record of training and developing unlicensed or junior staff.
• Active NMLS license is required.

Physical & Mental Requirements

• This is a primarily sedentary position, involving prolonged periods of sitting/standing at a desk and working on a computer/headset.
• The role requires the ability to thrive in a loud, high-energy sales floor environment.
• Mental fortitude is essential, including the ability to manage high-pressure sales goals and provide constant constructive feedback to a developing team.
• Must be able to maintain high levels of enthusiasm and drive to motivate the team throughout the workday.

MSF is an equal opportunity employer. All candidates for employment are considered equally and no distinction is made on the basis of race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status.  MSF is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or employee requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

Salary : $100,000 - $150,000