Responsible for managing the activities and operations of the mortgage loan sales support processing and closing team including appraisal ordering.
Essential Duties and Responsibilities
Manage a staff of 7-8 mortgage associates (loan processing, loan closing, construction-perm processing including inspection/draw servicing).
Ensure mortgage loans are processed, closed and funded in complete accordance with bank, federal, state and regulatory standards.
Deliver on agreed service levels for processing and closing to/from sales and credit risk.
Ensure timely funding and closing of mortgage loans and delivery to investors within 30 days of closing.
Utilize processing/closing dashboards for all key process steps, turn times and customer touchpoints.
Provide ongoing development opportunities to all staff.
Work closely with the Sales Director and Credit Risk Manager to meet shared goals.
Maintain operational documentation and procedures.
Ensure accuracy, quality and excellent customer service in all.
Maintain and manage internal controls.
Maintain current working knowledge of all mortgage loan operational job functions in order to provide technical support or directions and ensure compliance with regulatory, investor and bank policies and procedures.
Ensure quality customer service is provided to all internal/external customers.
Act as the primary Calyx Mortgage System Administrator.
Bachelor’s degree in Business or related degree and 5 or more years of mortgage related experience or an equivalent combination of education and experience
5 or more years of experience managing a team of mortgage loan processors and closers
Up to date knowledge and experience with TRID, RESPA, TILA, HVCC/AIR, MDIA, and other applicable compliance/legal requirements
Working knowledge of mortgage lending in order to determine upfront risk factors and communicate as necessary to appropriate parties
Demonstrated ability to interact successfully with bank management and staff as well as customers, realtors, sales agents, builders, appraisers, title companies, attorneys, investors, etc.
Strong computer skills and superior knowledge of applicable software (Microsoft Office, Outlook, Calyx, etc.)
Strong problem solving and analytical skills
Effective oral and written communication skills
Effective interviewing skills
Excellent customer service and interpersonal skills
Ability to motivate team members to achieve high performance and results
Must be detail oriented, organized and work efficiently under pressure
Ability to multi-task; being able to easily respond to pressure situations and work productively in a fast paced environment
Knowledge of FHA, VA, USDA and Conventional loan products, underwriting procedures, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions
Experience with Calyx preferred
Experience working directly with Underwriters a plus