Mortgage Division Manager

Job Purpose: Oversees and manages the mortgage loan division from the application to closing phase to ensure that the bank is compliant with all investor, regulatory and bank policies.

Essential Functions include the following. Other duties may be assigned.

1. Oversees all aspects of the Bank’s mortgage lending activities, including production, operations, secondary marketing, quality control, and compliance.

2. Achieve the mortgage division’s financial performance and profitability goals.

3. Uses the MBA peer information measure efficient and cost-effective systems.

Training is key to our strategy and an effective training program for staff is required.

4. Researching innovative systems to make our mortgage group financially valuable asset of the bank.

5. Collaborate with the Chief Credit Officer and the Chief Financial Officer to develop a Loan Pricing Model that is consistent with the bank’s profitability goals and is Board approved.

6. Maintains high credit quality standards for the Bank’s mortgage lending products.

7. Ensures compliance with all applicable laws and regulations.

8. Develop a model to onboard and train new Mortgage Loan Officers of the bank, to share the divisions goals and expectations.

9. Develop strategic initiatives and strategic relationships to expand the Bank’s mortgage lending activities, including acquisitions of other lending platforms and other lending teams.

10. Interact with the Bank’s other lending executives to develop any cross-selling opportunities.

11. Represents the Bank with industry groups and industry conferences.

12. Maintains good working relationships with regulatory agencies and investors.

13. Design and maintain a division organization chart that is scalable to grow with the division, so that proper staffing is maintained.

14. Each employee who uses the Bank's systems takes personal responsibility for being alert and promptly reporting suspicious computer-related circumstances that could indicate a Cybersecurity incident happening or has occurred. Employee strictly adheres to Cybersecurity policies, procedures, and standards to keep Cybersecurity risk a focus and in compliance.

15. Follows regulatory requirements by protecting information for privacy and confidentiality; displaying discretion in discussing customer information; obtaining proper information and paperwork to complete transactions; following bank policies and regulations.

Qualifications and Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, competency, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor’s degree; and at least five years previous loan administration or mortgage loan administration experience; or equivalent combination of training and experience. Experience with Encompass and the FHLB’s Mortgage Partnership Finance Program is a plus.

2. Basic knowledge of accounting terms, such as debits and credits, and loan terminology.

3. Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute amounts such as discounts, interest, and percent. Ability to count money and make change.

4. Ability to communicate verbally in one-on-one and small group situations with management, co-workers, and customers, including the ability to speak clearly, effectively, and professionally in positive or negative situations; listens to others without interrupting and gets clarification; and responds well to questions.

5. Ability to read and comprehend complex instructions, short correspondence, and memos. Ability to write simple correspondence.

6. Ability to apply common sense understanding to carry out instructions furnished in written or oral form. Ability to deal with problems involving several concrete variables in standardized situations. Ability to reason complex transactions. Ability to multi-task.

7. To perform this job successfully, an individual should have experience with Windows based software, bank application software program, and e-mail; and ability to operate a computer, calculator, telephone, and typewriter/keyboard.

8. Ability to interact in a positive and professional manner and to develop and maintain strong working relationships with customers, co-workers, employees, and management; the ability to respond promptly to customer needs and requests for service and assistance; and ability to meet commitments.

9. Strong attention to detail and focus on quality and accuracy.

10. Ability to maintain confidentiality and privacy of customer information.

11. Ability to make good decisions, including exhibiting sound and accurate judgment; supporting and explaining reasoning for decisions; including the appropriate people in decision-making process; making timely decisions; and identifying when issues should be referred to the appropriate supervisor.

12. Ability to take initiative, including asking for and offering help when needed; performs work independently without being prompted.

13. Ability to prioritize and plan work activities; use time efficiently; and work within deadlines.

14. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk and hear. The employee may lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distant vision, and ability to focus.

15. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is usually well-lit, heated and/or air-conditioned indoor office setting with adequate ventilation. The noise level in the work environment is usually quiet.

Job Type: Full-time

Pay: $85,000.00 - $100,000.00 per year

Benefits:

• Health insurance

Schedule:

• Monday to Friday
• Weekends as needed

Ability to Commute:

• Salina, KS 67401 (Required)

Ability to Relocate:

• Salina, KS 67401: Relocate before starting work (Required)

Work Location: In person

Salary : $85,000 - $100,000