Branch Manager & Senior Mortgage Lender - Maquoketa State Bank : Job Details

To apply for this position, go to our website Ohnward Bancshares, Inc.

www.ohnward.com

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POSITION SUMMARY

The Sr. Mortgage Lender is responsible for managing the mortgage team, along with soliciting potential borrowers for new mortgage loans. Increase mortgage loan portfolio by developing business contacts; attracting mortgage customers; and completing mortgage loan processing and closing. Examines application and supporting documentation and estimating credit-worthiness.

The Branch Manager is responsible for assigning and directing all work performed in the branch and supervising all areas of operation. Including, building rapport with the community to attract business and assist customer relations. Hands-on approach, will manage staff, foster a positive environment and ensure customer satisfaction and proper branch operation. Provide sound leadership for the branch.

KEY ORGANIZATIONAL RELATIONSHIPS

* Reports to CEO.

* Direct reports include: Teller Supervisor, Loan Assistants, Mortgage Lenders and Mortgage Underwriter.

* Works closely with the team, vendors, customers and key stakeholders.

DUTIES AND RESPONSIBILITIES

Essential Duties and Responsibilities

To perform this job successfully an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Manages, trains, coaches team. Provides direction, answers questions, and resolve team challenges.

* Maintains and oversees all banking procedures and processes.

* Network to expand the FCSB brand in the community.

* Produces mortgage production reports daily and monthly.

* Approves work hours and PTO.

* Ensures great customer service. Manages any customer complaints or issues.

* Solicit new business by developing strategies. Create sales and growth for the company.

* Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers. Follows leads and carries out research to obtain new clients.

* Interview, consult, accept, analyze credit of, and perform credit reviews of potential borrowers.

* Meet with clients to present products, explain the loan process and obtain the necessary documentation.

* Point of contact with investors.

* Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing quality and customer service standards; and resolving problems.

* Examines application and supporting documentation; estimating credit-worthiness; calculating repayment risk. Justify decisions (approvals/rejections) and report on them.

* Completes mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing. Examines application and supporting documentation; estimating credit-worthiness; calculating repayment risk.

* Guides borrowers through the application process by proactively reaching out to the prospective borrower. Explaining the different types of loans and credit terms that are available to the applicant. Answers questions about the process and assists borrowers in filling out the application if necessary.

* Provides guidance to prospective borrowers who have problems qualifying for traditional loans.

* Reviews submitted loan application file to analyze, interpret and evaluate financial information and loan documentation to assess borrower capacity, cash flows, character, collateral, and condition to honor his or her obligations.

* Insures that approval of new loan requests comply with loan underwriting, product and program policies and procedures.

* Operate in compliance with laws and regulations and adhere to lending compliance guidelines.

* Go the extra mile to build trust relationships, customer loyalty and satisfaction throughout the underwriting process.

* Performs other duties as assigned.

SKILLS AND ABILITIES

To perform this job successfully, an individual should demonstrate the following knowledge, skills, and abilities.

* Experience in leading a team.

* Proven working experience in financial analyzing or lending.

* Strong financial skills and ability to develop and interpret financial statements applied to business accounting and finance principles are required.

* Familiarity with computers and banking applications/software.

* Solid understanding of direct/indirect lending products and practices.

* Excellent communication and interpersonal skills.

* Ability to work in a goal oriented environment.

EDUCATION AND EXPERIENCE

* Bachelor's Degree in Finance, Economics or related field; 3-5 years lending experience and/or training; or equivalent combination of education and experience.

* Related work experience should consist of a financial analyzing or lending background.

* Qualifications: experience in analysis; knowledge of cash management products; knowledge of federal state laws and regulations relating consumer lending; NMLS (Nationwide Mortgage Licensing System), current driver's license with appropriate insurance coverage.

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 position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the essential duties of this position, the employee is regularly required to stand, sit and walk, use hands and fingers to handle or feel and talk and hear. The employee is occasionally required to climb or balance, and stoop. The employee must frequently lift and/or move up to 10 pounds and rarely lift and/or move up to 25 pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.

BENEFITS

Stakeholder Bonus

Health Insurance

Dental Insurance

Retirement Plan (401k) 3% Safe Harbor Contribution + Discretionary Contribution

10 Observed Holidays

PTO

Group Term Life provided

Short Term Disability - 100% provided by company

Long Term Disability

Maternity/Paternity Leave 100% of pay

Community Involvement

Pay-It-Ohnward Company Giving Program

Grilling for Charity Community Donations

Thank God Its Monday (TGIM) Company Event

To apply for this position, go to our website Ohnward Bancshares, Inc.

www.ohnward.com

* About Us

* Careers

* Apply Now

Equal Opportunity Employer