Mortgage Branch Manager I (temporarily remote) transitioning to on-site

Job Details

Description

Responsible for receiving, reviewing, and evaluating mortgage loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. (See Mortgage Loan Officer Job Description for full position purpose as a mortgage loan officer). Responsible for directing and administering the operational efforts of the Branch. Ensures that established policies and procedures are followed. Oversees provision of a full range of services to members and prospective members. Ensures that members are promptly and professionally served. Trains, directs, and supervises Branch staff.

Essential Functions And Basic Duties

• Assumes responsibility for the effective and professional completion of assigned mortgage loan functions.
• Interviews, takes applications, and processes preliminary documentation on mortgage loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
• Analyzes and evaluates loan requests and prepares written submission for consideration by the Mortgage Loan Committee. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.
• Assists in review of mortgage loan processing and closing.
• Conducts mortgage application reviews as assigned.
• Follows-up on all matured loans.
• Completes lending functions in accordance with established Credit Union policies and legal requirements
• Assumes responsibility for the effective and efficient performance of branch operations.
• Ensures all responsibilities are conducted in accordance with Credit Union policies.
• Supervises and coaches the Operations Manager to ensure efficient branch processes.
• Manages branch expenses. Pursues cost-saving measures.
• Continually seeks to improve Branch Operations and productivity to meet established goals.
• Ensures Branch security.
• Oversees all branch lending delegating most consumer lending to the Operations Manager.
• Effectively manages the Operations Manager and through that position, the branch staff, ensuring optimal branch performance.
• Provides leadership in overseeing effective goal setting and achievement of branch
  
  

objectives.

• Ensures high quality operational functions and efficiencies are maintained.
• Conducts regular meetings with branch leadership team to coordinate effective branch operational efforts.
• Ensures that personnel are effective and optimally used. Directs the determination of appropriate staffing levels for proper utilization of human resources.
• Assumes responsibility for related duties as required or assigned.
• Cross-sells Credit Union services
• Stays informed regarding changes in lending standards and related legal requirements.
• Oversees individual accountability for the branch and assists Operations Manager as needed in resolving problems.
• Oversees periodic audits and maintain quality of work of branch personnel.
• Assumes responsibility for establishing and maintaining effective and professional business relations with members, trade professionals and Branch relations.
• Answers questions and resolves requests.
• Keeps borrowers informed of Credit Union loan policies and services.
• Continually seeks ways to improve branch operations, productivity and to meet established goals.
• Maintains and projects the Credit Union's professional reputation.
• Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management.
• Coordinates functions with related departments and branches and provides support as needed.
• Assists Mortgage department personnel and provides support as needed.
• Keeps management informed of area activities and of any significant problems.
• Attends and participates in meetings and committees as required. Serves as a member of the Mortgage Loan Committee.
• Completes required reports and records.
• Works a regular and predictable schedule.
• Must be sufficiently fluent in English to process work and business transactions.
  
  

PERFORMANCE MEASUREMENTS

• Lending and related collections functions are effectively performed in accordance with established Credit Union policies and with legal and regulatory requirements.
• Loan documentation, records, and reports are accurate, timely, and complete.
• Loan applications are closely and effectively analyzed and evaluated. Lending practices are "safe and sound."
• Professional business relations exist with members and trade professionals. Questions and problems are promptly and courteously resolved. Programs and services are thoroughly explained.
• Good working relations exist with Credit Union personnel and with management. Assistance is provided as needed. Management is appropriately informed.
• Management is appropriately informed of area activities and of any significant problems, Suggestions are provided for improved efficiency and effectiveness in branch performance.
• Good working relationships exist with Branch personnel. Assistance is provided as needed.
• Branching procedures are in line with Credit Union standards.
• Branch personnel are well trained and efficient in their branch positions.
• Capable of producing between $1M-$5M annually in new and refinanced mortgage loans.
• Branch loan, deposit, growth and service goals are established and achieved in coordination with management and credit union standards
  
  

Qualifications

EDUCATION/CERTIFICATION: Bachelor’s degree in business or a related field, or an equivalent

combination of training and work experience.

REQUIRED KNOWLEDGE: Knowledge of Credit Union lending and collections programs, branch

policies, and procedures.

Familiarity with all Credit Union products, property management and

maintenance procedures.

Understanding of financial analysis and determination of credit

Worthiness

Understanding of leadership functions and appropriate task delegation

EXPERIENCE REQUIRED: Three to five years of lending and management experience.

Mortgage Lending Experience Preferred.

Real estate and origination background preferred.

SKILLS/ABILITIES: Excellent communication and public relations skills.

Strong analytical abilities.

Strong interpersonal, leadership, and supervisory skills.

Solid interviewing skills.

Able to use financial calculator and related computer applications and

business machines.

Ability to maintain an effective and efficient work flow.

Physical Activities And Requirements Of This Position

TALKING: Especially where one must frequently convey detailed or important

instructions or ideas accurately, loudly, or quickly.

AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary

information.

REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands,

and/or fingers.

AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents

or products, or operate machinery.

PHYSICAL STRENGTH: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force

occasionally. (Almost all office jobs.)

WORKING CONDITIONS

NONE: No hazardous or significantly unpleasant conditions (such as in a typical office).

Mental Activities And Requirements Of This Position

REASONING ABILITY: Ability to apply logical or scientific thinking to define problems, collect

data, establish facts, and draw conclusions.

Able to interpret a variety of technical instructions and can deal with

multiple variables.

MATHEMATICS ABILITY: Ability to compute discount, interest, profit, and loss; commission markup

and selling price; ratio and proportion and percentage.

Able to perform algebra.

LANGUAGE ABILITY: Ability to read digital and physical periodicals, journals, manuals, dictionaries,

thesauruses, and encyclopedias.

Ability to prepare business emails, proposals, summaries, and reports using

prescribed format and conforming to all rules of punctuation, grammar,

diction, and style.

Ability to conduct training, communicate at panel discussions and make

professional presentations.

Intent And Function Of Job Descriptions

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law