Regional Mortgage Operations Manager

LE001 Northwest Bank; Kentucky; On-site; USD 90,000 - 130,000; Full time

Job summary

Northwest Bank seeks a Regional Mortgage Operations Manager to supervise day-to-day sales and production, implement strategies, and guide policy across the distributed channel.

You will lead a team to meet KPIs, control costs, and respond to monthly QC findings with improvement plans, while coordinating with Regional Sales Managers to optimize customer experience and CRA lending activities.

Qualifications

• Education and leadership credentials required for mortgage operations leadership and growth.
• Experience in banking operations, lending processes, and incentives administration.
• Ability to mentor a team and improve outcomes through data-driven strategies.

Responsibilities

• Lead team effort to ensure accountability for maximum results as defined by KPIs.
• Implement procedures to meet or exceed goals and control costs.
• Ensure continuous improvement across production pipelines and staffing.
• Manage work hours and FTEs to balance workload and optimize results.
• Review monthly metrics and implement improvement plans based on QC findings.
• Collaborate with Regional Sales Managers to meet department goals and customer experience targets.
• Decide on consumer, equity, and mortgage loan approvals while applying credit judgment.
• Work with public agencies to expand relationships and CRA lending production.
• Exercise pricing and underwriting exceptions as needed and adhere to regulations.
• Mentor team, retain loans, and generate activity from new and existing customers.

Skills

Leadership

Strategic planning

Credit underwriting

Team management

MS Office

Education

Bachelor's degree in business/finance

Master's degree preferred

Job description

OH0713 NW Bancshares HQ Job Description

The Regional Mortgage Operations Manager is responsible to supervise the day‑to‑day sales and production operations for the distributed channel, and implementing strategies, policies and guidelines.

ESSENTIAL FUNCTIONS

• Lead team effort to ensure accountability for maximum results as defined by key performance indicators.
• Implement procedures to meet or exceed goals.
• Ensure continuous improvement.
• Manage work hours and FTEs to control costs and pipelines to ensure balanced workload and optimal results.
• Respond to monthly QC findings and implement improvement plans as necessary.
• Assist with monthly metrics report, including staff changes and utilization rates by role.
• Review, calculate, and provide monthly incentive payments to Human Resources within required timeframes.
• Work closely with Regional Sales Managers to achieve department goals and optimize customer experience.
• Decision consumer, equity, and mortgage loans.
• Work with public agencies to expand relationships and increase production of CRA lend (Habitat, Neighborworks, First Front Door, etc.).
• Exercise credit judgment and creativity.
• Perform pricing and underwriting exceptions.
• Work with retail offices and internal business partners on approval and exception requests.
• Maximize results by considering portfolio balances, yields, and risk when making credit and pricing decisions.
• Understand and comply with investor, insurer, and Northwest policies, and with mortgage industry regulations.
• Keep informed of changing rules and regulations.
• Mentor team to improve results.
• Implement procedures to retain loans, and to generate activity from new and existing customers, as well as non‑customers.
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency.
• Work as part of a team.
• Work with on‑site equipment.

KNOWLEDGE, SKILLS, AND ABILITIES

• Ability to identify existing and potential problems, obtain and evaluate relevant information, identify possible causes of the problems, and suggest an alternative course of action including innovative or creative approaches.
• Ability to allocate and effectively use information, personnel, time, and other resources necessary for implementation of Northwest’s strategic plans.
• Ability to make decisions, render judgments, and take action on tasks within the scope of given authority in a timely fashion.
• Ability to develop, evaluate, and implement alternative courses of action, based on correct assumptions concerning resources and guidelines, and support decisions or recommendations with data or reasoning.
• Ability to present and express ideas and information effectively and concisely in an oral and/or written mode in a manner appropriate for the audience.
• Ability to listen and comprehend what others are saying and facilitate the open exchange of ideas and information.
• Ability to motivate and provide direction in the activities of others, appropriately assigning work and authority, in the accomplishment of goals; providing advice and assistance as required.
• Ability to understand and appropriately apply procedures, requirements, regulations, and policies; maintain credibility with others on specialty matters.

QUALIFICATIONS

• Education: Bachelor's Degree in business, finance, or related experience preferred. Master's Degree preferred.
• Work Experience: 5 – 6 years business, finance, or related experience preferred.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Northwest is an equal opportunity employer.