Mortgage Loan Sales and Operations Manager - Military veterans preferred

 BASIC FUNCTION

The WEOKIE Mortgage Loan Sales and Operations Manager provides exceptional leadership to the      residential mortgage loan originations and operations teams and their related efforts to provide expert guidance and assist WEOKIE members purchase homes and refinance existing mortgages. This position is driven to set and achieve targets that align with budget, production and organizational goals.

MAJOR ACTIVITIES

1. Manages the day-to-day operations of the Mortgage Loan Officers, Mortgage Loan Processors and Mortgage Loan Closers to ensure that expert guidance and raving fans service to WEOKIE Members throughout the mortgage loan lifecycle. This includes completeness of high-quality applications, establishing and maintaining timely partner credit union member follow up, robust pipeline management and applications, complete file submissions for processing, timely and accurate disclosures issued, assisting Loan Officers with individual loan support and coordinating schedules.
2. Provides exceptional leadership through coaching and training to increase the knowledge of the Mortgage Loan Officers, Mortgage Loan Processors and Mortgage Loan Closers as it relates to mortgage lending products, policies, compliance, regulations, and best practices for producing high quality loans while delivering raving fans service to WEOKIE Members.
3. Develops strategies to maximize leads from WEOKIE Members. Manages lead process distribution and referrals to include internet applications, WEOKIE Members, phone lines, etc.
4.  Works with other business units within WEOKIE (QC and Servicing) to maximize operational effectiveness and develop, document, and maintain processes which further assist in achieving organizational objectives.
5. Ensure assigned business units are operating efficiently and reliably, are in compliance with applicable laws, regulations, and rules, have appropriate operating controls to mitigate risk, and are performing at high levels.
6. Acts on behalf of WEOKIE FCU as the qualified individual for ensuring federal and state licensing requirements are met and maintained so that WEOKIE can do business within a state.
7. Stays abreast of any changes to laws, regulations and market changes which affect the activities of the department.

CRITICAL RESULTS

1. WEOKIE Members receive expert guidance and raving fans service.

1. Business goals for originated and closed loan volume are consistently met and often exceeded.

1. Business requirements for timeliness and accuracy in the origination and closing of first mortgage loans are consistently met and often exceeded.

1. Assigned business units operate efficiently, under appropriate operating controls and compliant with applicable state and federal laws/regulations. Key strategic and operating plans, priorities, projects and goals are executed in a timely, efficient and productive manner.
2. WEOKIE Mortgage experts within the supervisory scope are provided with a positive working environment that adheres to all policies as well as the mission, vision and brand while encouraging individual growth and success.

 QUALIFICATIONS

1. Specialized or Technical Knowledge and Skills
   1. An associate’s degree in business is required. Candidates who present an equivalent combination of formal training, such as mortgage certification, and a minimum of four years’ experience of mortgage origination may also be considered.
   2. A minimum of 5 years’ management experience, with at least 3 years involving sales management, is preferred. Previous experience as an originating manager with experience to include supervision and/or thorough understanding of processing, underwriting and closing preferred.
   3. Maintains all required NMLS, Federal, State and Safe Act Licensing requirements.
   4. Demonstrated knowledge of mortgage loan products, including conventional and government loans along with underwriting guidelines.
   5. Demonstrated knowledge of federal and state regulations/laws as they pertain to mortgage lending and the ability to adhere to them.        
   6. Demonstrate ability to analyze, reason, problem solve and prioritize work independently.
   7. Demonstrated ability to analyze complex situations and solve problems and/or design recommendations to accomplish business and tactical goals.
   8. Must be experienced in working with Microsoft Office products.
   9. Strong organizational skills are essential.

1. Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful.
   1. Core Competencies: Core Competencies are consistent for all positions across the organization are aligned with WEOKIE Federal Credit Union’s Core Values.
      1. Member focus (internal and external: Builds members confidence, is committed to increasing members satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, and responds to internal members.
      2. Dependability: Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, and meets attendance/punctuality requirements.
      3. Integrity/Ethics: Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, and conveys good news and bad.
   2. Job Specific Competencies: This position requires a well-rounded and level-headed individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:
      1. Leadership: Leads through change and adversity, makes the tough calls when needed, builds consensus when appropriate, and motivates and encourages others.
      2. Managing for Results:  Sets challenging and productive goals for team, keeps team accountable for actions, provides leadership and motivation, provides resources and support, uses checkpoints and data to track progress, and sets up systems and processes to measure results.
      3. Managing Performance: Applies clear/consistent performance standards, handles performance problems decisively and objectively, is direct but tactful, and provides guidance and assistance to improve performance.
      4. People Development: Provides feedback and coaching, rewards hard work and risk taking, takes mentoring role, challenges and develops employees, accepts mistakes, and provides visibility/opportunity 
      5. Job Knowledge: Understands duties and responsibilities, has necessary job knowledge and technical skills, understands company mission/values, keeps job knowledge current, and is in command of critical issues

1. Physical Demands:  The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand; walk; sit; and talk or hear. The employee may occasionally lift and/or move up to 10 pounds.
2. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER

WEOKIE does not and shall not discriminate on the basis of Protected Status, marital status, and political belief or any other status or condition protected by applicable federal and/or state law.  Bona fide occupational qualifications will be applied impartially. These activities include, but are not limited to, hiring of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all our members, our staff, clients, volunteers, subcontractors, vendors, and clients.

CRITICAL RESULTS