Senior HELOC Operations Leader

Central Bank; Jefferson City (MO); On-site; USD 120,000 - 150,000; Full time

Job summary

Central Bank is seeking a Mortgage Loan Home Equity Manager to oversee the Home Equity Line of Credit division and supervise HELOC personnel. The role includes managing risk, approving appraisals, and ensuring compliance with all lending regulations.

The position requires leadership, organizational skills, and the ability to coordinate with underwriting, funding, and audit teams to maintain operational efficiency and policy adherence.

Qualifications

• Supervise and manage HELOC personnel to ensure that credit packages are processed in accordance with program guidelines.
• Oversee evaluation of home equity line of credit packages to determine compliance with rules and regulations.
• Maintain compliance with Corporate Credit Policy and Federal/State lending regulations.

Responsibilities

• Ensure accurate evaluation of credit risk factors and render final loan decisions.
• Oversee review of appraisal reports and assess company risk.
• Supervise the completion of tracking screens and required procedures.
• Ensure credit requests are disclosed within Central Bank procedures.
• Supervise HELOC funders and funding procedures.
• Coordinate with Loan Servicing to ensure proper APR fees and interest.
• Collaborate with compliance and audit teams as required and respond within deadlines.
• Serve as Subject Matter Expert to support technology and policy teams.
• Directly supervise HELOC opening, processing and funding functions; coordinate underwriting and closers as needed.
• Provide data to the Regional Operations Manager as needed.
• Submit an annual budget and manage staffing and turn times.

Skills

Credit risk analysis

Team leadership

Mortgage operations

Job description

Central Bank is seeking a Mortgage Loan Home Equity Manager to oversee the Home Equity Line of Credit division and supervise HELOC personnel. The role includes managing risk, approving appraisals, and ensuring compliance with all lending regulations.

The position requires leadership, organizational skills, and the ability to coordinate with underwriting, funding, and audit teams to maintain operational efficiency and policy adherence.