Mortgage Sales Manager

Ready to Lead and Close Deals? Join Us as a Mortgage Sales Manager!

Are you a driven leader with a passion for helping people achieve their homeownership dreams? We're looking for a Mortgage Sales Manager to lead a high-performing team and take our mortgage division to the next level.

Bank Happy. Work Happy. Right Here.

The base pay for this position is $75,000.00 plus commissions and overrides.

Summary:

Our Mortgage Sales Manager is responsible for the development of mortgage loan production from origination to funding utilizing existing systems, tools and established Bank of the San Juans workflows. Responsible for assigning sales objectives for the mortgage production team based on existing loan products and meeting them on an annual basis. Responsible for managing production by MLOs and personal production as well as specific workflow procedures during the application, approval, and funding process, and to provide relevant information and guidance to the customers. Responsible for developing new business relationships with Bank Partners, Realtors, and Builders. Responsible for the recruiting, hiring, training and development of MLOs in the division.

DUTIES AND RESPONSIBILITIES:

Essential Functions:

Sales Manager Duties:

• Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate.
• Directs the management of the mortgage loan portfolio and assures that policies and procedures are implemented and maintained to optimize the potential for the achievement of goals and objectives in volume, revenues, loan quality and charge-offs.
• Ensures that all mortgage loans are underwritten to Investor (FNMA/FHLMC) and Bank Portfolio guidelines and lending standards.
• Develops and implements strategies and tactics to attain mortgage loan growth and profitability goals that will enhance and complement the goals and objectives of the Strategic Plan. Develops marketing strategies and campaigns for the various mortgage loan products and services.
• Cultivates branch awareness of mortgage products and services through frequent interaction with staff.
• Reviews and monitors loan production volume for processing and origination.
• Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.

Mortgage Loan Originator Duties:

• Determine financing objectives and goals. Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed.
• Receives and screens loan applications. Pulls, reviews and analyzes credit. Gathers financial data. Notifies clients to resolve discrepancies such as late payment history, judgments, etc. Discuss options. Informs clients of closing costs such as appraisals, and attorney fees.
• Prepare records and reports as requested regarding loan origination and closing activities as needed.
• Collects supporting loan documentation. Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration.
• Maintain constant communication with clients via email, phone and mail form application to closing and post-closing. Communicate with attorneys, realtors, appraisers and vendors pertaining to specific client needs.
• Maintains contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.
• Receive inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organization's lending policies and procedures.
• Responsible for maintaining loan quality in compliance with Bank policy, underwriting standards and documentation requirements.

Ongoing Responsibilities and Adherence to Compliance:

• Adhere to Bank of the San Juans Company Core Values.
• Adhere to all applicable banking regulations, applicable laws, company policies, management directives, security, and operational procedures.
• Responsible for the timely completion of all required Compliance and Security training assigned by GBCI and BSJ within the designated timeframes. It is the individual's responsibility to fully understand the content presented in each training module. If clarification is needed, the learner must proactively reach out to their supervisor to request further explanation or additional training as necessary.
• Responsible for adherence to Bank Security Policy and for reporting security risks to management.
• Keep management appropriately informed of area activities and of any significant problems.
• Support the bank's mission by participating in Community Service and Bank sponsored activities, while consistently representing the bank in a professional manner. This includes maintaining a professional image, upholding confidentiality, demonstrating a positive "can-do" attitude, while being flexible, and adaptable to meet both the bank and customer needs.
• Employee must be capable of regular, reliable, and timely attendance.
• Attend and actively participate in required meetings.
• Provide exceptional internal and external customer service by interacting calmly and professionally with individuals from diverse backgrounds at various levels within and outside of the organization.
• Additional duties as requested or assigned.

QUALIFICATIONS:

• Two-year College Degree or completion of a specialized course of study or equivalent combination of education and experience
• Five to seven years of current MLO experience required with prior Sales Management Experience preferred.
• Current NMLS required

KNOWLEDGE, SKILL, ABILITY:

• Thorough knowledge of current Mortgage Regulations including RESPA, TRID, REG B etc.
• Working knowledge of Conventional, FHA/VA, Jumbo, USDA, CHFA.
• New Construction experience.
• Working knowledge of Conventional, Jumbo and FHA/VA guidelines. Including First Time Home Buyer programs ie: CHFA, USDA, Manufactured and standard industry underwriting expectations.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

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 often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: Travel by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Exert up to 10 lbs. of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

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COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.