Mortgage Sales Manager Job at PEN AIR CREDIT UNION
Careers
Do you have a passion for helping others?
Pen Air provides access to 11 convenient locations in Pensacola, FL and Baldwin County, AL. Enhance the lives of your community by becoming a powerful force for good, after all, we live, work and play here too.
What makes the Pen Air community so great is the unwavering spirit, hardworking character and confidence that we all can succeed at making a difference. Through respect, exceptional service and Communerosity®, Pen Air has been a proud community partner since 1936.
Join the team.
Take control of your future by mapping out a career at Pen Air. Working for our credit union means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon your skills. Success looks different for everyone. Where will your journey take you?
Accounting & Finance
Administration
Asset Management
Business & Consumer Lending
Credit Resolution
Digital Products and Services
Front Line Operations
Human Resources
Information Technology
Learning & Development
Marketing
Operations
Payments
Project Management
Risk Management
The Pen Air difference.
Just like we strive to be a force for good in our communities, Pen Air works hard to supply employees with competitive salaries and a healthy, comprehensive benefits package.
Benefits Package:
Generous PTO Plan—20 days for new hires
Paid Maternal & Parental Leave
Competitive Retirement Plan
Competitive medical, dental & vision plans
Company paid Teledoc services
Company paid Short Term Disability
Holistic Amenities:
Up to $15K available for continuing education
Adoption Assistance Reimbursement
Wellness Programs
Gym membership reimbursement
Additional Resources:
Formal Career Development Resources
Financial Wellness Resources
The Mortgage Sales Manager is responsible for carrying out strategic initiatives, sales development, monitoring team performance, providing member service, training staff, and insuring origination documentation is completed to conform to Credit Union and secondary market policies and procedures. This role is directly responsible for overseeing the Mortgage loan production and meeting goals of the department and Mortgage Loan Officers (MLO's) individual goals.
Essential Functions & Responsibilities:
E
25%
Maintains and coaches/mentors/trains MLO’s on all aspects for the Mortgage Loan Officer role including but not limited to maintain and develop outside referral relationships (Vendors, Realtor, Builder, etc.) and selling tactics by sharing tips and tricks with development of referral contacts.
E
20%
Maintains a personal pipeline of referred mortgage loan requests and employee loans. Personal closing goals will be a minimum of $2,000,000 average per month and reset annually as needed.
E
10%
Reviews a 30% of pre-qualifications and loan applications to ensure proper disclosures are being issued on time for each MLO.
E
10%
Reviews a 30 % of loan applications for all regulatory compliance appropriate to the mortgage transaction for each MLO.
E
10%
Maintain knowledge of all 1st, 2nd mortgage, land loans, construction/perm products within the credit union and competitors to aid the VP of Mortgage to develop the correct products to meet the needs of the members.
E
10%
Provide direction and recommendations to management, based on research data, regarding department efficiencies and market strategies that meet the Credit Union’s mission and values.
E
5%
Reviews each MLO’s pipeline to increase Pre-qualification conversion ratio above 25% and full loan pull through ratio of 40% or greater for each MLO.
E
5%
Complete and maintain accurate performance information for each MLO within HR approved system of record. Prepare, present and have approved all performance improvement plans and follow up on all action items in the plan as required. VP of Mortgage and HR may be involved in these plans
N
5%
Performs other job related duties as assigned.
Performance Measurements:
1.
Regular reliable attendance.
2.
Demonstrate behaviors consistent with the Pen Air Core Values.
3.
Provide friendly, accurate, professional service to members and associates by responding to messages and correspondence within 24 hours.
4.
To meet or exceed Sr management set Budget and Goals with respect to mortgage loan production. These goals are set annually.
5.
To ensure each MLO and the Sales Manager complete all initial communication with members and the mortgage loan application including all supplemental information are supplied to the mortgage operations team within a 72-hours of signed intent to proceed.
6.
Resolve QC issues and concerns within 24 hours of notification of deficiency.
7.
To complete performance reviews based on HR notifications
8.
Maintains knowledge of all PAFCU Portfolio guidelines, FNMA/FHLMC, FHA, VA, and USDA guidelines. Maintains a working knowledge of all Mortgage regulations including but not limited to CFPB/Dodd Frank, ECOA, Fair Lending, HMDA, Reg B, Reg C, Reg Z, RESPA, and TILA.
Knowledge and Skills:
Experience
Five years to eight years of similar or related experience.
Education
(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Interpersonal Skills
A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills
Strong supervisory, PC (technology), compliance, leadership, written and verbal communication skills.
Physical Requirements
Light or low amount of physical exertion
Work Environment
No adverse environmental working conditions noted.
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