Mortgage Operations Manager

ESSENTIAL FUNCTIONS:

• Lead team effort to ensure accountability for maximum results as defined by key performance indicators

• Implement procedures to meet or exceed goals

• Ensure continuous improvement

• Manage work hours and FTEs to control costs and pipelines to ensure balanced workload and optimal results

• Respond to monthly QC findings and implement improvement plans as necessary

• Assist with monthly metrics report, including staff changes and utilization rates by role

• Review, calculate, and provide monthly incentive payments to Human Resources within required timeframes

• Work closely with Regional Sales Managers to achieve department goals and optimize customer experience

• Decision consumer, equity, and mortgage loans

• Work with public agencies to expand relationships and increase production of CRA lend (Habitat, Neighborworks, First Front Door, etc.)

• Exercise credit judgment and creativity

• Perform pricing and underwriting exceptions

• Work with retail offices and internal business partners on approval and exception requests

• Maximize results by consider portfolio balances, yields, and risk when making credit and pricing decisions

• Understand and comply to investor, insurer, and Northwest policies, and with mortgage industry regulations

• Keep informed of changing rules and regulations

• Mentor team to improve results

• Implement procedures to retain loans, and to generate activity from new and exist customers, as well as non-customers

• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations

• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

• Work as part of a team

• Work with on-site equipment

KNOWLEDGE, SKILLS, AND ABILITIES:

• Ability to identify existing and potential problems, obtain and evaluate relevant information, identify possible causes of the problems, and suggest an alternative course of action including innovative or creative approaches

• Ability to allocate and effectively use information, personnel, time, and other resources necessary for implementation of Northwest’s strategic plans

• Ability to make decisions, render judgments, and take action on tasks within the scope of given authority in a timely fashion

• Ability to develop, evaluate, and implement alternative courses of action, based on correct assumptions concerning resources and guidelines, and support decisions or recommendations with data or reasoning

• Ability to present and express ideas and information effectively and concisely in an oral and/or written mode in a manner appropriate for the audience

• Ability to listen and comprehend what others are saying and facilitate the open exchange of ideas and information

• Ability to motivate and provide direction in the activities of others, appropriately assigning work and authority, in the accomplishment of goals; providing advice and assistance as required

• Ability to understand and appropriately apply procedures, requirements, regulations, and policies; maintain credibility with others on specialty matters

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education: 

• Bachelor's Degree in business, finance, or related experience preferred

• Master's Degree preferred

Work Experience:

• 5 - 6 years business, finance, or related experience preferred

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