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GENERAL FUNCTION:
Manager role performs a wide range of duties relating to the origination of residential mortgage loans for Financial Centers and outside referrals. Meet standards and objectives defined by management for team mortgage loan sales and cross-selling objectives. Responsible for the overall production of the team and the day-to-day management of each Mortgage Loan Originator (MLO) inclusive of structuring loans, pricing, investment of marketing dollars, group affiliations and prioritization of MLO utilization. Effectively partner with Fulfillment Operations to drive closed volume. Actively recruit and grow talent. Onboard, coach and train MLOs.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all @types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Develop and foster referral source relationships (realtors, builders, professional and personal contacts, etc.).
Recruit, hire and onboard new loan officers
Develop a sales culture and sales focused environment within team.
Develop and foster relationships with Financial Center personnel to build business and referrals.
Manage personal and team production via local and Bancorp reporting and KPIs.
Coaches direct reports to achieve production goals. Actively manages under-performers via performance improvement plans to meet established performance levels.
Facilitate the development of business plans with MLOs and manage/coach to those plans.
Hold regular periodic business plan reviews with sales team.
Build strategic and tactical plans for driving volume growth in assigned area.
Participate in sales calls with MLOs.
Assist departmental management in identifying possible improvements in systems and procedures.
Demonstrate and coach to the bank's promise to serve to ensure that MLOs provide a high level of customer service to external customers based on Bancorp customer satisfaction data.
Monitor all operational, risk and compliance related issues and take appropriate action when standards are not met.
Monitor quality levels of loan originators to insure adherence to standards.
Serve as an intermediary for loan issues with processing manager and underwriting manager.
Perform Human Resource tasks for the team, such as exception time reporting, performance reviews, coaching, performance management, commission administration and identifying training issues.
SUPERVISORY RESPONSIBILITIES:
Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
High school diploma or GED equivalent. Two/Four-year college degree preferred.
3-5 years residential mortgage sales experience required.
In-depth knowledge of conventional, government, and portfolio guidelines.
ne to three years mortgage management experience preferred.
In-depth knowledge of residential mortgage processing, underwriting and closing procedures.
In-depth knowledge of federal lending regulations governing real estate lending.
Demonstrated organizational skills.
Demonstrated leadership skills.
Must lead by example and have a high level of integrity.
Demonstrated teamwork and customer service skills.
Ability to analyze policies, procedures, and guidelines in a way that maximizes productivity but protects the level of risk desired.
Demonstrated teamwork and customer service skills.
In-depth sales technique/sales coaching skills.
Strong desire to excel in a competitive environment.
Strong interpersonal and communication skills.
Strong analytical and problem-solving skills are required.
Excellent verbal, written, presentation, people, and diplomacy skills are required.
Work requires the ability to multi-task and to be flexible.
PC proficient in Windows based software programs (Outlook, Word, Excel, PowerPoint).
Experience with Mortgage origination systems and automated decisioning tools required.
Ability to motivate team, work independently, manage multiple projects, work under pressure, and adapt to sudden changes in the work environment.
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.
Area Sales Manager II
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION -- San Francisco, California 94111
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
