Home Equity Product Manager
About the job
- Strong product management capabilities.
- Deep understanding of consumer lending products and portfolio management.
- Experience developing product strategies and growth initiatives.
- Strong pricing and profitability analysis capabilities.
- Strong analytical and problem-solving skills.
- Strong communication and executive presentation abilities.
- Demonstrated ability to influence cross-functional stakeholders.
- Advanced proficiency with Microsoft Excel, PowerPoint, and other Microsoft Office applications.
- Experience utilizing Power BI or similar business intelligence tools.
- Strong analytical modeling and reporting skills.
- Familiarity with consumer lending systems, loan origination platforms, and servicing environments.
- Ability to leverage customer, portfolio, and pricing analytics to support decision making.
- A Bachelor's degree in Business, Finance, Economics, Marketing, Banking, or a related field is required.
- At least 5 years of experience in consumer lending, product management, portfolio management, pricing, finance, analytics, or related banking disciplines.
- Experience working within a regulated financial institution is required.
- Ability to translate customer needs, market insights, and financial analysis into practical product strategies.
- Strong executive presence and ability to represent the function with senior leaders, field leaders, internal partners, and external stakeholders.
- Ability to navigate complex organizational environments and multiple stakeholder priorities.
- Willingness to travel periodically for meetings, market visits, and industry conferences.
- High degree of professionalism, judgment, discretion, and accountability.
- Serve as the primary product owner for the Home Equity lending portfolio.
- Develop and execute product strategies that support growth, profitability, customer acquisition, and relationship deepening objectives.
- Manage the full lifecycle of Home Equity products, including development, launch, enhancement, performance management, and retirement.
- Identify market gaps, customer needs, and emerging opportunities within the home-secured lending space.
- Evaluate competitive market offerings and recommend product enhancements that strengthen the bank's position.
- Establish and maintain a multi-year product roadmap aligned with organizational priorities.
- Develop new lending solutions that strengthen primary banking relationships and household profitability.
- Identify opportunities to leverage home equity products as a broader relationship acquisition and retention strategy.
- Partner with Consumer Banking, Retail Banking, and Marketing teams to create customer engagement and cross-sell initiatives.
- Evaluate opportunities to expand digital capabilities, self-service functionality, and simplified customer experiences.
- Assess emerging industry trends and fintech developments impacting consumer lending.
- Lead pricing analysis and recommendation development for Home Equity products.
- Analyze rate sensitivity, customer behavior, utilization trends, portfolio migration, and competitor pricing.
- Develop promotion pricing, relationship pricing, and targeted customer retention programs.
- Monitor portfolio health, growth, utilization, retention, profitability, and customer engagement metrics.
- Analyze customer behavior patterns and lending trends to inform strategic recommendations.
- Partner with analytics teams to improve forecasting, performance monitoring, and portfolio segmentation capabilities.
- Drive efforts to simplify the customer journey from application through servicing.
- Identify and remove friction points that impact customer satisfaction and adoption.
- Champion customer-centric product design and continuous improvement initiatives.
- Gather customer and frontline feedback to inform future enhancements.
- Experience in Home Equity, mortgage, consumer credit, or secured lending products is strongly preferred.
- Experience developing pricing strategies and performance reporting is preferred.
- Experience working across multiple stakeholder groups and business lines is preferred.
About the company
Simmons Bank operates as a community bank with 200 locations across six states. It offers deposits, loans, mortgages, and digital banking to help customers manage money securely anywhere. Its products work through in-branch, online, and mobile channels with local decision-making and a strong local presence that aligns with a community-bank approach. Its goal is to help customers achieve personal dreams—such as buying a home or starting a business—by providing accessible, personalized financial services.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Jackson, Mississippi
Founded
1903
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Simplify's Take
What believers are saying
- Loan balances reached $17.9 billion in Q1 2026, up 5% sequentially.
- Wealth management added $350 million in new assets under management during Q1 2026.
- Recer's Texas and Nashville expansion targets higher-growth commercial clients across profitable markets.
What critics are saying
- December 4, 2026 closures cut 26 branches, hit 100 employees, and cost $20-$23 million.
- Retail shrink signals weak branch economics and accelerates customer defections to larger digital rivals.
- Commercial real estate stress and deposit competition can compress margins and punish earnings through 2027.
What makes Simmons Bank unique
- Simmons Bank spans six states, pairing community branches with commercial banking depth.
- Jay Brogdon is reallocating branch overlap savings into digital tools and product innovation.
- Lisa Hunter built Simmons' online banking, treasury management, and data office infrastructure.
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Company News
Simmons First National (NASDAQ:SFNC) will report third-quarter earnings on Thursday after market close. Analysts expect revenue to grow 7.6% year on year, slower than the 12.7% rise in the same quarter last year. Last quarter, the regional bank met revenue expectations with $251.6 million, up 14.1%. It missed analysts' estimates for earnings per share and net interest income. Analysts have largely held their estimates over the past 30 days. The company has a history of beating Wall Street expectations. Bank stocks have fallen 7.5% on average over the last month; Simmons is down 4.7%. Its shares trade at $22.16, against an average analyst price target of $25.93.
Hargis named UAM vice chancellor for Advancement. The University of Arkansas at Monticello has announced the appointment of Brian Hargis as vice chancellor for Advancement. Hargis assumed the role on September 1, 2026, bringing more than two decades of experience in relationship building, community leadership, strategic partnerships, fundraising support and organizational growth across the banking and nonprofit sectors. A proud UAM alumnus, Hargis earned his Bachelor of Science in agriculture business degree from UAM and has remained deeply engaged in advancing opportunities throughout southeast Arkansas. In 2016, he completed the Graduate School of Banking at LSU, further strengthening his leadership and financial management expertise. Prior to joining UAM, Hargis served nearly 15 years as community president for Simmons Bank in Monticello, where he led market operations and cultivated strong partnerships among businesses, nonprofit organizations, civic leaders and community stakeholders in southeast Arkansas. Throughout his career, Hargis has demonstrated a unique ability to connect philanthropic resources with community needs. Most notably, he partnered with the Simmons First Foundation to secure support for numerous organizations and initiatives, including UAM, the SEARK Concert Association, the Miracle League of Southeast Arkansas, Vera Lloyd Presbyterian Family Services and The Centers for Youth and Families. He has also served on the board of the Monticello Economic Development Commission since 2011, helping guide initiatives that promote economic growth and regional collaboration. Dr. Peggy Doss, chancellor of UAM, stated, "Mr. Hargis brings a strong combination of professional experience, financial expertise and a genuine love for UAM and our community. As a UAM alumnus, he understands the impact of this university on the lives of our students, our community and our state. His background in banking and finance and his ability to build meaningful relationships will be tremendous assets as he leads our advancement and alumni efforts. We are excited to welcome him back to UAM and look forward to the leadership he will bring to this important work." "I am incredibly honored to return to my alma mater and join UAM as vice chancellor for Advancement," Hargis said. "UAM has played a profound role in my life and career. I look forward to working with alumni, donors, community leaders, faculty, staff and friends of the university to build more meaningful partnerships and create new opportunities that will benefit our students and the communities we serve." As vice chancellor for Advancement, Hargis will oversee fundraising, alumni engagement, donor relations, foundation partnerships, grant development and external relations efforts designed to support UAM's strategic priorities and enhance student success.
Simmons Bank closing 26 locations, 6 in Arkansas by end of 2026. Posted: Sep 4, 2026 / 04:21 PM CDT Updated: Sep 4, 2026 / 04:21 PM CDT PINE BLUFF, Ark. (KNWA/KFTA) - Arkansas-based Simmons Bank recently announced it would close more than two dozen locations by the end of the year. In a Sept. 3 filing with the U.S. Securities and Exchange Commission, Simmons First National Corporation, the parent company of Simmons Bank, said it would be closing 26 locations. "The Company's decision was made as part of a broader review of the Company's retail network strategy, and the Branch Closures are intended to align Simmons Bank's branch network with evolving customer preferences while maintaining customer access, preserving service levels, and continuing to provide advice, guidance, and financial solutions through nearby branches and other banking channels," the filing said. Simmons also noted in the filing that approximately 100 associates will be impacted by the closures, but around 70% of them will be retained and hired at other branch locations or alternative positions within the company. KNWA/FOX24 reached out to Simmons Bank for comment on the closures, and a spokesperson provided the following statement: "How customers choose to bank with us has changed significantly in recent years. While branches remain an essential part of our customer experience, many routine transactions have migrated to digital, ATM, phone and other self-service channels. As customer preferences continue to evolve, we periodically evaluate our physical network to ensure we are serving customers where and how they prefer to bank while preserving the relationship-based service they value. After careful review, we have decided to close 26 branch locations effective Friday, December 4. By reducing overlap within our network, we create additional capacity to invest in customer-facing capabilities, digital tools, product innovation and other enhancements that strengthen the overall customer experience. This redeployment will help us drive growth in all our markets. As we undertake this effort to build a stronger and more sustainable delivery model, we remain focused on supporting customers throughout the transition. We will not compromise the customer experience, and receiving branches have been evaluated to ensure they can effectively support incoming customers while maintaining service levels. Our commitment to serving our communities remains unchanged. Customers will continue to have access to banking services through nearby branches and other banking channels, and we will maintain a strong presence in the communities we serve." These Arkansas locations will be closing, according to the spokesperson: * 4200 Rogers Ave. in Fort Smith * 2350 Malvern Ave. in Hot Springs * 501 W. Washington in Jonesboro * 3901 Camp Robinson Rd. in North Little Rock * 1704 North University in Pine Bluff * 8107 Dollarway Rd. in White Hall The spokesperson mentioned that customers at impacted locations can visit a nearby Simmons Bank branch, "which is, on average, less than 3 miles away." All closures are expected to be effective on Dec. 4, the filing said.
Simmons Bank closing 26 branches in december, 6 in arkansas. Simmons First National Corporation has decided to close 26 Simmons Bank locations, according to a September 1 filing with the U.S. Securities and Exchange Commi |!| Little Rock
Simmons Bank will close 26 branches, including 6 in Arkansas. 4 hours, 7 minutes ago by Arkansas Democrat-Gazette Simmons Bank has decided to close 26 branches across its six-state footprint, according to a filing with the U.S. Securities and Exchange Commission. The bank said the decision is "part of a broader review of the Company's retail network strategy... intended to align Simmons Bank's branch network with evolving customer preferences while maintaining customer access, preserving service levels, and continuing to provide advice, guidance, and financial solutions through nearby branches and other banking channels." Jay Brogdon, the bank's president and chief executive officer, told Arkansas Business on Thursday that six Arkansas branches in Fort Smith, Hot Springs, Jonesboro, North Little Rock and Pine Bluff will close. The bank will also close six branches in Texas, six in Tennessee, five in Missouri and three in Oklahoma. In the Tuesday SEC filing, Simmons said its management believes customers will see limited disruptions, "as there is no significant geographic concentration among the affected locations." The closures will affect about 100 employees, but Simmons said it expects to retain about 70% of those employees through "placement in other branch locations or alternative positions within the Company." The branch closures are expected to be effective on Dec. 4. Arkansas Democrat-Gazette. Support journalism that digs deeper into topics that matter most to Arkansans. Donate today to preserve the quality and integrity of local journalism.