Job Title:  Mortgage Process Manager

Location: Florence, SC

Division: Operations

Position Summary: This position is responsible for leadership, guidance and direction to end to end Mortgage Sales, fulfillment and servicing operational processes. Ensures that every aspect of the loan process is done in a timely, accurate, and customer focused way that is consistent with the vision, mission, values, and goals of the bank.

Direct Reports: Mortgage Operations fulfillment support team.

Core Responsibilities:

1. Mortgage Loan Processing

• Manage cost, customer experience, and quality of end to end mortgage processes across sell, fulfill, and service functions.
• Ensure timely and accurate communication between all mortgage functions.
• Cooperate with Risk Management to develop and implement appropriate controls and standards for originating Mortgage Loans.
• Insure all mortgage applications and loans comply with regulatory requirements.
• Prepare management dashboards to monitor key process metrics
• Underwrite all FHA and VA loans and insure they meet the requirements of the appropriate organization.
• Manage audit and quality control for all mortgage loans sold to investors to insure minimal risk to all involved parties.

2. Department Management

• Prepare annual department budget
• Monitor budget progress and report exceptions as necessary
• Manage G/L Accounts
• Resolve process and performance issues and implement improvements

3. Vendor Management

• Follow FRB Vendor Management policies and procedures.
• Source and evaluate potential vendors
• Approve vendor expenses in compliance with agreements.
• Negotiate cost effective deals with vendors.
• Manage and recertify vendor relationships.

4. Leadership and Management of Direct Reports and Teams

• Responsible for communication of strategy to associates on the team and ensuring they know how their roles are aligned to accomplishing FRB's strategic vision, mission and values.
• Creates a positive work environment and one that fosters and respects diversity.
• Manages all projects, budgets, and investments for the organization with respect to areas of responsibility.
• Develop a strong team of professionals with the right capability to execute the business strategy.
• Establish annual performance goals for associates and ensure each associate receives ongoing coaching to build capability and achieve results.

5. Live First Reliance Values

• Commitment to Excellence
  • Regularly reviews the data associated with areas of responsibility to identify trends and patterns for improvement.
  • Stays informed of business trends to be well informed when providing counsel to customers.

• Teamwork
  • Work with others in a candid and open manner.
  • Work collaboratively to identify solutions in the best interest of FRB.
  • Treat each other with respect.

• Continuous Improvement
  • Develop an annual learning plan to improve job skills and knowledge.
  • Share ideas openly with colleagues to find ways to improve the way we do our work.

• Customer First
  • Provide customers with an enjoyable and positive experience.
  • Keep promises and commitments and adhere to established customer service standards.

• Achieve results
  • Establish annual goals and take personal responsibility to achieve results.

• Trustworthiness
  • Acts with integrity.
  • Respect the privacy rights of customers and associates.
  • Tell the truth in all communications and do not mislead by commission or omission.

• Positive Attitude
  • Model a positive attitude for others to emulate.
  • Apologize when wrong.

6. Role Specific Competencies

• Decision Making/Judgment
  • Recognizes problems and responds,
  • Sorts through complex issues,
  • Seeks input from others and addresses root cause of issues,
  • Makes timely and difficult decisions and communicates decisions to others.

• People Management
  • Defines roles and responsibilities
  • Motivates and challenges employees, and manages collaboratively
  • Delegates effectively
  • Rewards contributions

• Talent Management
  • Defines position requirements and necessary skills
  • Recruits large applicant pool, and prepares for and conducts good interviews, values both experience and potential, selects appropriate candidates, promotes diversity in hiring
  • Builds teams with complementary skills

Minimum Requirements:

• Bachelor's degree or equivalent experience.
• At least 5 years experience in the field or related area.
• Extensive knowledge of mortgage industry regulatory requirements.
• Proven communication and customer relation skills.
• Ability and desire to interact and contribute in a team environment.
• Ability to use a variety of software tools.

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