Community Mortgage Lending Manager

Community Mortgage Lending Manager

America’s first
billion-dollar black-owned bank, Liberty Bank and Trust is a
part of history, and we don’t take that success or the privilege to serve our
customers lightly. Liberty and our legacy institutions, with branches in 11
states, have stood steadfastly with underserved and often-forgotten communities
for over 100 years.

We are growing and
building our team with people who want to expand their horizons and surround
themselves with inclusive, mission-driven peers looking to impact communities
and families positively.

Our mission is to carry
on the important work of generations of black-owned bank operators by
preserving and providing access to affordable financial products and services
to traditionally underserved markets. Liberty has been a lifeline for many who
have pursued dreams of homeownership, growing businesses, providing for
college, or even starting lifelong careers.

We strive to be as
resilient as the people we serve. Whether it’s a community, a burgeoning
business, or untapped talent, we believe in the possibility of financial
freedom.

We have a fantastic opportunity to join the Liberty Bank and Trust mortgage team. If you have experience in community mortgage lending, we’d love to hear from you!  To learn more about us, please visit our website at: www.libertybank.net

Under the direction of
the AVP of Mortgage and VP of Mortgage, you will manage a team of LOs and their
activities, including the origination, processing, closing, and funding of
mortgage loans. As the Community Mortgage Lending Manager, you will assure our
customers that excellent service is provided to maximize branch profits and
anticipate and prepare for continued mortgage sales growth, making sure a team
of LOs is adequately staffed based on mortgage goals and ensuring LOs are
properly trained to achieve the company’s mortgage loan goals and objectives.

At Liberty Bank and
Trust, you’ll find freedom here – for our customers and you.

To be successful, you
should have:

·       Bachelor’s degree in
Business, Accounting, Finance or other relevant field

·       5 years of related
experience and/or training

·       Knowledge of
conventional and/or government guidelines, loan processing, underwriting and/or
closing procedures/federal lending regulations governing real estate lending is
a plus. 

·       The ability to manage
a heavy pipeline of 25 plus loans and be familiar with FHA, VA, Federal
Housing, Rural Housing and HUD guidelines.

·       Demonstrated ability
to interact with regional and corporate departments, to lead, direct and
motivate a successful sales team of professionals, and to recruit and hire
mortgage professionals.

·       Demonstrated judgment
and decision-making ability.

·       Excellent and
effective presentation and communication skills, both verbal and written.

·       Must be active in the
community, and in job-related organizations to enhance the network of
beneficial contacts to achieve mortgage sales goals.

·       Stays informed of
trends and developments in real estate market and competitive environment, as
well as, of changes in rules and regulations pertaining to both private and
government insured mortgages.

·       Demonstrated ability
to recruit, hire, train, lead, and motivate LO’s

·       Ability to work
flexible hours and days. (Mon. – Sat.)

·       Valid driver’s license
and current automobile liability insurance.

·       Ability to adjust to
the changing mortgage environment.

·       Must possess
well-developed sales and client management skills with expert knowledge of
mortgage products, services, and solutions.

·       Forward thinking,
quick learner, and adaptable to constant change.

·       Growth and giving
mindset and the ability to resolve conflict and challenges with innovative,
win-win solutions.

·       Organized and
detail-oriented, critical thinker, and problem solver with awareness of how
attitude, demeanor, and actions positively and negatively impact others or
cause other implications.

·       Ability to design and
navigate new processes.

Your responsibilities
as the Community Mortgage Lending Manager will include:

·       Recruit, hire, and
train LOs. Motivates staff to achieve maximum production levels; conducts
performance reviews and documents employee files according to company policies

·       Monitors the quality
of loans originated by LOs and ensures they are within Company policy
guidelines

·       Establish and manage
the budget and goals within predetermined guidelines as directed by the
mortgage department and Company

·       Oversee performance
and communicate goals and policy changes on a regular basis to LOs

·       Generate new business
through contacts with realtors, builders, developers, and COIs to expand and
grow market share

·       Ensure all functions
are in complete compliance with federal, state, regulatory, and Company
policies and procedures

·       Maintain a
professional image and adheres to standards consistent with company policies
and procedures

·       Market and promote
Liberty Bank’s loan programs and financial products in the community

·       Originate loans and
meet the Company’s minimum production standards by taking complete and accurate
loan applications, using Liberty Bank’s product set, processes, and systems

·       Be responsible and
accountable for appropriate quality controls related to the financial products
the bank provides, the services the bank delivers, and the processes employed

·       Maintain awareness of
competitive products, practices, and changes in market conditions

·       Maintain active lines
of communication, keeping all relevant parties consistently informed. Ensures
pertinent communications are properly documented within the CRM systems.
Monitor and manage phone calls, emails, and customer follow-ups

·       Establish and
maintain a professional relationship with customers and business contacts and
adhere to guidelines related to financial confidentiality per internal, state,
and federal requirements

·       Perform other duties
as assigned

Benefits

As you might expect, we
value every member of our team. That’s why we offer competitive pay and an
extensive benefits package, including:

• Paid vacation and holidays, personal and sick days
• Medical, Dental, and Vision
• Life Insurance
• FSA
• Adoption Assistance
• Educational Reimbursement
• 401K and match
• Employee Stock Purchase Plan
• EAP/Health and Welfare Assistance
• Training and Development
• Online Marketplace* discounts on a variety of goods and services
• Leadership Development
• ERG/ Ambassador Group
• Free and reduced-rate bank services

We do our best to make
sure Liberty Bank and Trust is an incredible place not just to work but to
build a career. We want you to learn, grow and share in the success you help
create.  Within the company, there is also a future opportunity for growth.

 

We are an equal opportunity
employer, and all qualified applicants will receive consideration for
employment without regard to race, color, religion, sex, national origin,
disability status, protected veteran status, or any other characteristic
protected by law.