Mortgage Loan Officer Producing Team Manager

About the role

Truliant's mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves. Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do. Purpose of the Job The Mortgage Loan Officer Producing Team Manager is responsible for driving residential lending sales through the management of a team of mortgage loan officers to increase mortgage production while adhering to credit union policies and ethical standards, and keeping the member's best interest in mind. This position also originates residential mortgage loans, adhering to internal, regulatory and secondary market guidelines. This position fosters and cultivates business relationships with diverse members of the community to generate mortgage business to meet sales goals and objectives. Essential Functions and Responsibilities Manages an MLO staff to lead the identification of business opportunities, the development of the existing customer base, and the initiation of new client relationships to expand the organization's residential lending relationships. Manages and supports interaction with Branch managers to develop relationships. Helps develop scripting and trains on quality mortgage referrals. Helps train on providing the best possible member experience for existing and new members. Manages team to ensure production goals are met and all regulatory and internal policies and procedures are adhered to. Coaches, develops and inspires staff to maximize their potential. Continually develops and maintains specialized knowledge of all residential lending products. Ensures staff has the appropriate resources and training need to successfully compete in the marketplace. Responds to customer inquiries and referrals that are generated from personal contacts and from other Truliant Federal Credit Union business channels. Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advises borrowers of product/pricing policies and guidelines, and gathers any additional required information. Ensures exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements. Develops and maintains successful relationships with business referral sources, existing and prospective Truliant Federal Credit Union through marketing, cold-calling, prospecting and networking activities. Utilizes Truliant Federal Credit Union training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external members and internal business partners. Provides complete loan applications to fulfillment center partners. Ensures exceptional member experience by overseeing loan process from origination to close and providing on-going communication to members and business partners. Oversees and ensures successful completion of all assigned Mortgage Loan Officer Training activities. Participates in community efforts to promote home ownership. Presents appropriate Truliant Federal Credit Union products and programs and explains guidelines. Works with Mortgage Processor, Underwriter, and all other Mortgage Staff to ensure that loan documents are submitted to processing within 7 days or as modified by Truliant Federal Credit Union. Works with Mortgage Processors to ensure that loan conditions are met. Other Duties and Responsibilities Assists with other tasks and projects as assigned. Knowledge, Skills, and Abilities Must have sound understanding of standard concepts, practices, procedures, regulations and compliance within the loan origination environment, as well as services offered by the credit union Must have a thorough knowledge of first and second mortgage real estate lending, including mortgage processing, underwriting, and closing procedures, and any regulatory compliance relating to real estate lending Must have a continuing knowledge of insurance products offered and underwriting guidelines to ensure the loans are insurable to protect the credit union's loan-to-value in the collateral Must show demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals Must have broad knowledge of all aspects of the mortgage industry, including secondary market concepts and practices and underwriting guidelines Must have demonstrated ability to lead a sales team to achieve goals and objectives Must have ability to recognize