Branch Manager

US-KS-Overland Park
2 years ago
ID
2016-3457
# of Openings
1
Category
Retail - Sales Management
Division
West_L

Overview

HomeBridge Financial Services, Inc. is one of the nation’s largest privately held, non-bank lenders. We specialize in facilitating and securing home mortgage financial solutions through our retail and wholesale channels. More information on HomeBridge can be found online at www.HomeBridgeInc.com.

Responsibilities

Scope/Purpose of the Position:

The Branch Manager will manage the daily operations of their assigned branch and originate mortgage loan products offered by the company. Primary job responsibilities include soliciting new business, recruiting successful mortgage loan originators, management and retention of all branch sales/non-sales personnel.  Continuously identifies, develops and maintains a network of business relationships to establish a constant referral source to originate new loans.  Forecasts branch profitability and provides goals and objectives to the branch.

 

Essential Duties and Responsibilities (Other Duties may be assigned):

  • Represents the company in a professional and enthusiastic manner: by providing an exceptional level of customer service, supporting the mission statement, and adhering to our core values in all functions of their job responsibilities and interaction with internal and external customers.
  • Management
    • Manager will be responsible for the day-to-day operations of the Branch which includes, but is not limited to:
    • actively recruiting successful Mortgage Loan Originators.
    • coaching, directing, developing, and motivating staff to perform at their best. Creates a positive work environment; sets clear objectives and monitors performance.
    • manages performance issues in accordance with company policy
    • managing and overseeing appropriately the daily operations of the branch so as to control expenses and minimize risk to the Company.
    • understanding the company’s Customer Commitment and Net Promoter Score® (NPS) platform, as well as maintain a NPS equal to or greater than the company’s corporate standard of 76.
    • ensuring that all persons performing any services for the Company through the Branch are Company employees, properly licensed and registered, as applicable, and are approved to start by Company and, as applicable approved by the Company to originate loans.
    • ensuring that all websites or other social media used by the Branch or any Branch Employees that relate in any way to financing residential real estate are approved by the Company prior to posting to/access by the general public.
    • responsible for immediately reporting any lawsuits, complaints; investigations or other similar actions which involve Employee’s duties on behalf of the Company and/or which could potentially affect Employee’s licensing status or ability to perform his/her job for the Company.
  • Compliance
    • informing the Company immediately of any and all events, incidents, occurrences, complaints, lawsuits, investigations, findings, or good faith concerns of illegal, improper, or unethical or other material information or matters concerning the Company and/or Branch operations
    • remaining familiar with and ensuring that all loans originated by the Branch are handled in accordance with the Company’s policies, guidelines, quality control, applicable federal, state, and local laws, and investor guidelines.
    • ensuring that all proper documentation is prepared, kept and maintained in accordance with all applicable laws, and is readily available for inspection at Company’s discretion.
    • ensuring that all borrowers are advised of the most appropriate financing options and are only advised to close loans if there is a good faith basis to believe that the borrower will be able to re-pay the loan.
    • must at all times be able to meet any and all applicable qualifications and standards required for MLO licensing under the SAFE Act. Employee must remain current on any and all applicable registration, licensing and training obligations required under the SAFE Act and/or any other state, federal or local laws pertaining to MLO certification or standards.
  • Production
    • makes outside sales calls and performs related sales activities which include but are not limited to: meet and call on clients, referral sources, realtors, and business prospects at their homes and places of employment or in other social settings away from any HomeBridge office.
    • build a network of referral sources such as Real Estate professionals, Builders, professional and personal contacts, as well as participate in business related development opportunities, community efforts to promote HomeBridge and our products and services.
    • collecting and analyzing the customer’s financial information;
    • assisting in assessing the customer’s financial circumstances to determine whether the customer and the property qualify for a particular loan;
    • analyzing the information provided by the customer and advising on an array of options and variables, all of which make up the various components of the loan;
    • advising the customer about the risks and benefits of various mortgage loan alternatives in light of their individual financial circumstances;
    • advising the customer about avenues to obtain a more advantageous loan program, including assisting the customer in understanding and clearing credit problems;
    • maintaining regular contact with the customer, referral partners and HomeBridge between application and closing to apprise them of the status of the application and gather any additional information as needed;
    • otherwise marketing and promoting the Employer’s products; and
    • performing such other duties related to the origination of mortgage loans as Employer may assign
    • responsible for originating loans of residential real estate transactions and supervising the loan origination process of such loan files through closing of the transaction.
  • Administration
    • informing Company of all expenses on a timely basis in order to ensure prompt payment thereof
    • forwarding all fees, checks, deposits, etc. in the possession of Manager to Company’s Corporate Headquarters in a timely manner.
    • ensuring that all closed loan documents are stored in Company’s document storage system and accessible to Company upon demand.

Knowledge, Skills, and Abilities:

  • Proven ability to motivate, develop, coach and mentor staff at all levels.
  • Proven ability to recruit, interview, hire, develop and retain staff.
  • Demonstrated knowledge of the mortgage process, underwriting, and closing guidelines.
  • Excellent level of oral and written communication skills. Ability to communicate across a variety of audiences.
  • Excellent knowledge of FNMA, FHLMC, FHA, USDA and VA product guidelines.
  • Intermediate level of computer skills, including the ability to function in a windows environment.
  • Solid decision making skills with display of professionalism in maintaining confidentiality.
  • Solid time management skills and the ability to organize and prioritize multiple tasks at the same time.
  • Understanding of Federal Regulations governing Real Estate Lending as well as the company’s Fair Lending policies.
  • Professional and effective interpersonal skills. Ability to build strong relationships with internal business partners to achieve success.
  • Ability to analyze and comprehend complex financial data and provide financial alternatives.
  • Ability to direct and manage through superior leadership skills.
  • Ability to establish credibility and be decisive while recognizing and supporting the company’s preferences and priorities.
  • Ability to be results oriented with sound judgment.
  • Ability to be assertive and persuasive.

Minimum Qualifications:

  • Minimum of two (2) year’s sales management experience at a mortgage company, bank or other financial institution. Prior experience in generating refinance loans, purchase loans, as well as a comprehensive understanding of related guidelines
  • Tactical demonstration of sales techniques
  • Must be knowledgeable on the methods and procedures for promoting and marketing of products and services
  • Valid driver’s license
  • NMLS License
  • Must at all times be able to meet any and all applicable qualifications and standards required for MLO licensing under the SAFE Act. Employee must remain current on any and all applicable registration.

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