Producing Mortgage Sales Manager

Primary Responsibilities

• Works with management on developing and implementing programs for mortgage loan business development, including productivity strategies and implementation to increase revenue opportunities and market expansion.
• Represents the Bank in various civic and community functions to further enhance its image and develop additional business.
• Key contributor in developing and communicating mortgage application, guideline, processing, and onboarding policies.
• Oversees process/procedure improvements for the Bank to be efficient, service oriented and compliant with all applicable laws and regulations.
• Provides intermediate range planning efforts to include potential market expansion, market analysis and trend evaluations such as product alignment; keeps informed of short- and long-term regional conditions, as well as types of loan offerings.
• Contributes to the setting of individual sales goals and their periodic monitoring.
• Manages and reports on the progress of overall department strategic targets, including prospecting plans and the development of new mortgage business as well as expanding on existing business relationships.
• Reinforces the cross selling of bank products as a key component of the overall sales approach;
• Possesses the ability to prospect and originate new loan business in parallel to management of the MLO group of 2-4 people.
• Maintains loan quality to ensure alignment with Bank policies and procedures, and compliance with state, regional, and federal guidelines.

Requirements/Qualifications

• Bachelor’s Degree in Finance or Business Administration.
• 10+ years in mortgage application processing and underwriting or related experience is essential and at least 3-5 years of managerial experience.
• Specific experience in Mortgage Sales, Risk Management, Secondary Marketing and related activities is necessary, with a broad knowledge and understanding of the Northeast market.
• Must have a proven track record in managing multiple origination and distribution channels, as well as a current NMLS license.
• Knowledge of both portfolio and secondary market lending platforms, underwriting, mortgage application processing, legal and real estate terminology and lending policies and procedures.
• Excellent skills in sales techniques and customer relations are required.
• Ability to establish a strong sales culture built around safe and sound banking practices.
• Strong analytical and communication skills are required.
• Ability to prospect and originate new loan business in parallel to management of the MLO group of 2-4 people.
• Expertise with Encompass Loan Operating System is highly desirable.
• Proficiency in structuring mortgage transactions and problem solving.