SVP/Mortgage Sales Team Leader

Thatsmybank; Sacramento (CA); On-site; USD 120,000 - 190,000; Full time

Job summary

First Northern Bank is seeking a Mortgage Sales Team Leader in Sacramento to expand and manage the consumer lending program, including mortgage products and HELOCs. This role will enhance policies, procedures, and products, ensure regulatory compliance, and build a high-performing team.

The ideal candidate has deep knowledge of mortgage lending, strong leadership, and a track record of driving growth and profitability while maintaining efficiency.

Qualifications

• Bachelor’s degree in business, finance, or related field is required; MBA preferred.
• 7+ years mortgage lending experience with at least 3 years in a leadership role.
• Extensive knowledge of mortgage products, underwriting guidelines, and secondary markets.
• Experience with community banking and local market dynamics.
• Familiarity with mortgage technology platforms and LOS systems.

Responsibilities

• Develop and execute a consumer lending strategy focused on first mortgages and HELOCs.
• Maintain and modify mortgage and consumer lending products, pricing strategies, and underwriting guidelines.
• Develop marketing strategies to promote consumer lending products and services.
• Be fully accountable for the growth, profitability, and long-term success of the consumer lending business line.
• Ensure compliance with federal and state regulations, including RESPA, HMDA, ECOA, Reg Z, TRID, FCRA, Flood, and other applicable laws.
• Drive origination volume through relationship-building, community engagement, strategic partnerships, and internal referrals.
• Maintain strong internal controls and risk management practices.
• Oversee quality assurance and audit processes for mortgage and consumer lending operations.
• Recruit, train, and manage a team of mortgage loan officers, processors, and support staff.
• Foster a culture of accountability, customer service excellence, and continuous improvement.
• Implement efficient workflows and technology solutions to streamline the lending process.
• Monitor performance metrics, loan quality, and profitability.

Skills

Leadership

Analytical thinking

Problem-solving

Communication

Education

Bachelor’s degree in business, finance, or related field

MBA preferred

Job description

This role is being backfilled in preparation for an upcoming retirement to support a smooth transition.

What You’ll Do

The Mortgage Sales Team Leader will be responsible for expanding and managing the consumer lending program, including mortgage products and Home Equity Lines of Credit (HELOCs). This role will enhance policies, procedures, and products, ensure compliance with all regulatory requirements, and assemble a high-performing team. The ideal candidate will have deep knowledge of mortgage and consumer lending, strong leadership skills, and a proven ability to drive growth and profitability while maintaining operational efficiency.

Responsibilities Include

• Develop and execute a consumer lending strategy focused on first mortgages and HELOCs, aligned with the Bank’s strategic goals. Monitor market trends and customer needs to make recommendations for potential future consumer lending products as the Bank evaluates opportunities for growth.
• Maintain and modify mortgage and consumer lending products, pricing strategies, and underwriting guidelines, as necessary.
• Develop marketing strategies to promote consumer lending products and services.
• Be fully accountable for the growth, profitability, and long-term success of the consumer lending business line, ensuring sustainable performance and competitive positioning.
• Ensure compliance with federal and state regulations, including RESPA, HMDA, ECOA, Reg Z, TRID, FCRA, Flood, and other applicable laws.
• Drive origination volume through relationship-building, community engagement, strategic partnerships, and a strong internal referral culture that fosters collaboration across the organization.
• Maintain strong internal controls and risk management practices.
• Oversee quality assurance and audit processes for mortgage and consumer lending operations.
• Recruit, train, and manage a team of mortgage loan officers, processors, and support staff.
• Foster a culture of accountability, customer service excellence, and continuous improvement.
• Implement efficient workflows and technology solutions to streamline the lending process.
• Monitor performance metrics, loan quality, and profitability.

Qualifications

• Bachelor’s degree in business, finance, or related field required (MBA preferred)
• Minimum 7 years of mortgage lending experience, with at least 3 years in a leadership role required, or
• Equivalent combination of education and experience
• Extensive knowledge of the mortgage business including secondary market underwriting guidelines, complex financial documents, wide range of different mortgage products and other skills necessary for success
• Experience with community banking and local market dynamics
• Familiarity with mortgage technology platforms and LOS systems

What You’ll Need to be Successful

• Strong analytical and problem-solving abilities

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.