Area Sales Manager (Bilingual Preferred)

First Mutual Holding Co • Cincinnati, OH • 4h ago

Apply Job Type Full-time Description The Area Sales Manager manages regional loan production offices and originates one-to-four family residential mortgage loans. Requirements Duties and Responsibilities: Adds value as a key member of management; understands the business, financials, industry, customers and strategy.

Supervises employees, provides direction, coaches, trains and develops, and manages performance to company goals and expectations.

Develops departmental goals and strategies for approval which support production goals for the loan production office; reviews and analyzes the effectiveness of the programs and recommends changes as needed.

Understands the lending division's procedures for processing, underwriting, and escrowing mortgage loans and ensures assigned staff responds to other staff's inquiries regarding loan applications; troubleshoots situations within residential lending.

Ensures that loan solicitations and decisions are within established standards appropriate to the loan @type; monitors origination activity for compliance and assures appropriate records are maintained; ensures lending compliance with all origination procedures including bank and/or regulatory procedures, policies, and/or requirements; follows existing lending procedures and makes suggestions for improvements to procedures.

Engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for Sales Team Manager business purposes.

Originates one-to-four family residential loans; interviews loan applicants and analyzes customers' financial status and earnings to determine most appropriate mortgage loan program; makes preliminary determination of applicant's credit worthiness and has authority to issue prequalification statement of borrowers' eligibility.

Responds to customer/contact inquiries regarding the association's loan products and customer's applications.

Provides advice and service to loan applicants requesting mortgage loan information.

Coordinates interim and long-term financing for new construction projects of one-to-four family residences working with appropriate company lenders/managers.

Promotes the bank's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.

Projects a positive image of the bank and makes sales contacts by participating in community activities, organizations, and business-related functions.

Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.

Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.

Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.

Other duties as required. Skills and Qualifications: High School Diploma or equivalent is required; Bachelor's degree is preferred.

Certification: NMLS is required.

Years of experience: 10 to 15 years is required.

Years of experience supervising: 7 to 10 years is required.

Experience in mortgage lending is required.

Experience with lending laws, regulations, and guidelines is required.

Experience in customer service is required.

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