Job Description

EChannel Mortgage Manager - North Phoenix, AZ

OBJECTIVE: Producing Manager - and leads assigned team of Mortgage Loan Officers in the inbound outbound mortgage originations sales center. Works with designated team to generate mortgage business, educate and develop, and assist in management of the team’s pipeline. Drive new members to the organization by developing internal and external referral relationships resulting in acquisition of new mortgage loans. Fulfill existing member mortgage needs through proactive conversations to deepen relationships and uncover member goals and objectives. Deliver a quality, member-centered, experience resulting in an understanding of member’s full financial needs and objectives, referring members to internal business partners for fulfillment as identified. Meet and exceed monthly production targets and key performance indicators and call metrics.

SUMMARY: Producing e-Channel Mortgage Manager provides an example to Mortgage Loan Officers on behaving as ambassadors within the mortgage sales center and with fellow associates and other department managers. They show-coach by displaying desired behaviors, provide feedback for development of Mortgage Loan Officers, and assist in determining solutions for team pipeline. They also perform originator tasks to assist members with their mortgage needs as subject matter experts to develop internal referrals. As professional sellers, they are responsible for developing mortgage loan business, working with internal and external sources. Responsible for interviewing applicants for real estate loans and originating applications consistent with credit union policies and all applicable Real Estate-specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations. Gathers background information and analyzes loan applicants' credit history. Requires the ability to liaison between multiple Real Estate Lending teams, branches and branch associates. members, and credit union departments. Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.

ESSENTIAL DUTIES AND RESPONSIBILITIES Effectively works with assigned team, branch partners, and community real estate professionals in assigned market, to build relationships, assist partners and branch associates in understanding real estate loan products and processes, and markets credit union real estate loan product line to new and existing members.

  • Provides leadership and ensures the development of the Originators by measuring progress, coaching, counseling and recommending appropriate training as required.

  • Recommends changes which lead to greater sales production and an improved work environment.

  • Recommends new products or services that would complement current product offerings.

  • Ensures work of sales team in assign region consistently conforms to established quality control standards.

  • Assists in resolving escalated member concerns.

  • Develops mortgage loan business through member seminars and calls on realtors, contractors, and other potential sources.

  • Interviews applicants and requests specified information for loan application. Handles mortgage loans of the highest complexity, value, or risk.

  • Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.

  • Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.

  • Corresponds with or interviews applicant or creditors to resolve questions regarding application information.

  • Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms.

  • Required to accurately use multiple computer programs in completing work, including Mortgage Cadence, MS Word, MS Excel, MS Windows, HMDA Reporting, and other computer programs as required.

  • Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines.

  • Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.

  • Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.

  • Promotes and cross-sells other establishment products and services as appropriate to member requirements.

  • Provides loan data to support marketing and sales promotion programs.

  • Actively participates in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members.

  • Actively participates in scheduled outside business activities to develop relationships with external partners a gain referral.

  • Completes regular educational and compliance courses to stay abreast of internal and industry changes.

  • Develop an understanding of Credit Union philosophy, organization, bylaws, and operational procedures and comply with the requirements of the Bank Secrecy Act, AML, OFAC and all other applicable State and Federal Financial Institution Regulations.

Education and/or Experience

Bachelor's Degree preferred. Minimum four years residential lending experience. Thorough knowledge in loan origination and closing requirements for conventional, construction, government and non-conforming portfolio loan programs.

2355 W. Pinnacle Peak Rd., Phoenix, AZ 85027 USA

Application Instructions

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