Director of Mortgage & Business Lending

Company: Solidarity Community Federal Credit Union
Location: Kokomo
Posted on: March 27, 2025

Job Description:

SUMMARY: Manages, leads, trains, coaches, coordinates, and disciplines the mortgage department and staff; oversees the planning and execution of mortgage and business lending projects. Responsible for all mortgages lending programs, from developing and origination through and including final documentation. Direct and manage mortgage strategic plans, policies, and procedures while maintaining a safe and healthy work environment.DUTIES AND RESPONSIBILITIES:Leads, manages, supervises, and develops mortgage department staff and ensures adequate department coverage.Responsible for marketing products, services, and the credit union to referral sources; i.e. Real Estate Agents; title company executives and personnel, insurance company personnel, Real Estate appraisers, pest inspectors, and home inspectors.Ensures mortgage audit and exam findings are addressed and communicated in a timely manner.Responsible for product development and enhancement.Conduct monthly department meetings.Responsible for all compliance issues, including but not limited to, RESPA, Reg Z, Reg B, TRID, and closing documents.Must be available to perform evening and weekend work as required by marketplace demands.Must be prepared to make recommendations about technology and software.As directed, responsible for financial analysis and profitability of all mortgage products. Has basic knowledge of spreadsheets, word processing, and mortgage production software.Understands how the secondary market works with regard to FNMA, FREDDIE MAC, GNMA and others. Also, has a thorough working knowledge of the underwriting guidelines of the above markets.Responsible for all follow-up issues within the mortgage area, including communications with management staff and board members on all programs and special projects.Must keep abreast of all changes in the Real Estate market, including but not limited to, the interest rate market and be prepared to make recommendations, as well as set rates.Keeps up to date on overall activities of the team, identifying problem areas and taking corrective actions when necessary.QUALIFICATIONS:Bachelor's degree (B.A. /B.S.) in related field or equivalent is preferred.Four to six years related experience or equivalent.Proficient on database software, Excel and Word.Excellent customer service skills.Excellent verbal and written communication skills.Commitment to excellence and high standards.Strong organizational skills; able to manage priorities and workflow.Ability to work independently and as a member of various teams and committees.Ability to understand and follow written and verbal instructionsProfessional appearance and demeanorAbility to perform diversified clerical functions and basic accounting procedures.Ability to effectively communicate with people at all levels and from various backgrounds.Acute attention to detail.Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.Demonstrated ability to plan and organize projects.Proven ability to handle multiple projects and meet deadlines.Good judgment with the ability to make timely and sound decisions.COMPETENCIES:Teamwork--Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.Member Service--Manages difficult or emotional member situations; Responds promptly to member needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.Project Management--Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.Oral Communication--Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.Written Communication--Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.Organizational Support--Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.Motivation--Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.Analytical--Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs workflows and procedures.Problem Solving--Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.Technical Skills--Assesses own strengths and weaknesses; pursues training and development opportunities; strives to build knowledge and skills continuously. Shares expertise with others.Interpersonal Skills--Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interruption; Keeps emotions under control; Remains open to others' ideas and tries new things.Change Management--Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.Ethics--Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethics; Upholds organizational values.Strategic Thinking--Develops strategies to achieve organizational goals; Understands organization's strengths and weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategies to changing conditions.Judgement--Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely changes.Initiative--Volunteers readily; undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.Delegation--Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.Attendance/Punctuality--Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.Dependability--Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time.PHYSICAL DEMANDS AND WORK ENVIRONMENT:Frequently required to standFrequently required to sitContinually required to utilize hand and finger dexterityContinually required to talk or hearOccasionally required to lift/carry items less than 25 poundsThe above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.PIe8eab4676e7c-25660-37235160

Keywords: Solidarity Community Federal Credit Union, Kokomo , Director of Mortgage & Business Lending, Executive , Kokomo, Indiana