Producing Area Manager

Bell; St. Louis (MO); Hybride; USD 90 000 - 140 000; Plein temps

Avantages offerts par ce poste

Healthcare

Employee stock ownership

401(k) plan

Profit sharing

Résumé du poste

Bell Bank Mortgage seeks a Branch/Area Manager to lead residential mortgage origination, processing, and closing efforts across the branch footprint. You will recruit, train and motivate loan officers and assistants to maximize production while ensuring compliance with regulatory and investor guidelines.

You will manage borrower disclosures, LE and MDIA requirements, and collaborate with processors, closers and sales staff to deliver exceptional service and grow market share.

Qualifications

• Bachelor’s degree in business or related field.
• 6–8 years of mortgage banking experience.
• Supervisory experience with sales management.
• Active NMLS registration required.
• Ability to travel to branches and off-site meetings.

Responsabilités

• Manage branch and area activities in originating, processing and closing residential mortgage loans.
• Recruit and hire loan officers for the branch and area; motivate and train staff to achieve production targets.
• Gather information for documentation, analysis, disclosure and underwriting.
• Structure loans to comply with product guidelines and investor rules.
• Submit through DU/LP and review borrower findings for guidelines.
• Enter data into origination system and order appraisals.
• Solicit loan applications in line with procedures and timelines.
• Disclose to borrowers and provide Loan Estimates within guidelines.
• Provide data to processors and secure signed lock agreements.
• Review Closing Disclosures and prepare borrowers for closing.
• Maintain regular contact with agents, borrowers, processors and closers.

Connaissances

Mortgage banking

Sales management

Regulatory compliance

Investor guidelines

Travel ability

Formation

Bachelor’s Degree in Business

NMLS registration

Description du poste

This position manages branch and area activities in originating, processing and closing of residential mortgage loans. This role will recruit and hire loan officers for the branch and area, as well as motivate and train loan officers and loan officer assistants to achieve maximum production levels. This position markets and originates mortgage loans that meet regulatory and investor guidelines to be sold on the secondary mortgage market. This role is responsible for the solicitation of new business for the company and development of sales staff.

Responsibilities

• Manage branch and area activities in originating, processing and closing of residential mortgage loans.
• Recruit and hire loan officers for the branch and area; motivate and train loan officers and loan officer assistants to achieve maximum production levels.
• Gather all information necessary for documentation, analysis, disclosure and underwriting loan applications.
• Structure loan to ensure compliance to product guidelines.
• Submit through DU/LP and review findings to ensure borrower findings meet guidelines.
• Enter all required information into the mortgage loan origination system and order appraisal.
• Solicit and take loan applications in a professional and timely manner in line with company standard and procedures
• Evaluate credit factors and eligibility to ensure application meets guideline requirements.
• Provide appropriate borrower compliance information at the time of application; have disclosures signed and delivered.
• Provide Loan Estimate (LE) within regulatory guidelines. Also provide re-disclosure as required by regulatory guidelines through understanding of MDIA requirements.
• Provide all necessary applicant information to processor.
• Price loans according to guidelines and secure signed lock agreements.
• Review Closing Disclosure (CD) and prepare the borrower for closing.
• Keep open line of communication with agents, borrowers, processors and closers to provide excellent customer service.
• Develop individual marketing plans to expand market share and stimulate loan production.
• Maintain regular customer contact with professional and community organizations to ensure a positive company image.
• Stay up to date on all program, compliance, and investor guidelines and changes that will affect the borrower and Bell Bank Mortgage.
• Provide advice and service to applicant requesting mortgage information.
• Make preliminary determination of applicant’s credit worthiness and issue prequalification statement of borrower’s eligibility.
• Maintain awareness of new trends and developments in the local and national real estate market to better serve clients and provide feedback to management.
• Assist branch loan officers in developing and implementing marketing plans.
• Maintain own personal production levels.
• Maintain contact with client base on a daily basis to solicit new business and expand own production.
• Maintain current working knowledge of all jobs and functions within the branch to provide guidance to operations manager and to ensure appropriate training of all employees on new company policies and procedures.
• Stay abreast of all new regulatory, FNMA, FHLMC, HUD/VA requirements, in addition to policy changes within the company.
• Monitor quality of loans originated by loan officers with in the branch and ensure they are within company policy guidelines.
• Devise strategic plan to expand market share and solicit new residential business through contacts with builders, developers and realtors in the area.

Bell Bank Culture, Policy and Accountability Standards

• Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

• Bachelor’s Degree in business or a related field.
• 6-8 years of mortgage banking experience.
• Previous supervisory experience with sales management experience.
• Must obtain and maintain an active NMLS registration.
• Ability to travel to different branches and to off-site meetings to meet with clients or co-workers.

Knowledge, Skills, and Abilities

• Familiarity with all mortgage banking functions, FNMA, FHLMC, HUD/VA Lending, regulatory compliance and investor guidelines.
• Ability to strategically plan to market and develop business contacts.
• Detail oriented with strong organizational and interpersonal communication and business relations skills.
• Excellent customer service skills.
• Ability to function efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.

Company Information

If you love sales and are passionate about helping others purchase their dream home, consider a career with Bell Bank's mortgage team. You will work with colleagues in a first class culture that provides a family atmosphere, enjoy great benefits and provides a high level of service that makes each mortgage run smoothly -- by sending closing packages five days before the closing, in-house underwriting and processing and having a support team to allow you to work efficiently.

Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $14 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Originally founded in 1880 by early Minneapolis civic leader David C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and has several regional offices in the United States.

Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.

If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the place for you.

Bell's Values:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• Paying it forward.

Our Bottom Line:

Happy Employees! Happy Customers!

In addition to salary, Bell Bank offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit-sharing plan. All benefits are subject to eligibility requirements.