AVP- Mortgage Lending

Description

Summary:

The Assistant Vice President of Mortgage Lending Officer is responsible originating mortgages, and for overseeing a team of loan officers, The role will focus on mortgage loan growth, ensuring regulatory compliance, and managing risk.


Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Leadership & Staff Management

• Team Leadership : Lead, mentor, and managing a team of loan officers, fostering a high-performance culture.
• Staff Development & Performance Management : Set clear expectations, conduct regular one on ones, and provide ongoing feedback.

Strategic Planning & Business Development

• Relationship Management : Build and maintain strong relationships with key business partners, including real estate agents, builders, financial advisors, and customers.

Compliance & Risk Management :

• Ensure compliance with all regulatory requirements, internal policies, and procedures including but not limited to Bank Secrecy Act (BSA/AML). Mitigate risks related to lending practices, loan defaults, and market fluctuations.

Requirements

Required Qualifications

• Experience : Five or more years of experience in Mortgage Lending or Advanced Consumer Lending, with at least 5 years in a leadership or management role.

• Education : Bachelor's degree in business, Finance, or a related field.


• Strong leadership and team management skills with the ability to inspire and drive performance.

• Knowledge of mortgage products, underwriting guidelines, and loan origination systems.

• Proven track record of meeting or exceeding mortgage lending goals.

• Strong understanding of mortgage compliance regulations (e.g., RESPA, TILA, ECOA, etc.).

• Excellent interpersonal and communication skills, with the ability to build relationships with internal and external customers.

• Meet and maintain qualifications required to be registered with NMLSR by the Safe Act

• Experience working in a technology-driven environment with knowledge of digital mortgage solutions and automation tools.


Personal Attributes

• Strategic thinker with strong problem-solving capabilities.
• Results-oriented with the ability to drive change and deliver measurable outcomes.
• High level of integrity and ethical standards.
• Ability to thrive in a fast-paced, dynamic environment.

• Strong Relationship management and business development skills (willing to make inside and outside sales calls)

• Proven commitment to quality customer service

• Excellent verbal and written communication skills

• Strong analytical skills necessary to evaluate credit requests

• Great time management skills: Ability to manage multiple tasks and loan requests simultaneously

• Provide financial counsel to customers within the realm of own experience and knowledge

• Develop and implement relationship strategies for cross-selling bank products and services and referring business to other Bank employees and Oostburg Financial Services, LLC.


• Keep up to date on lending products and services offered in financial institutions. Make suggestions for adding or changing existing loan products.

• Strict compliance with the Bank Loan Policy.

• Must possess a willingness to learn and the ability to work effectively with customers, potential customers and employees.

• The ability to exercise good judgment, work independently, prioritize workload and work well under pressure while maintaining a positive, professional attitude.

• At all times conduct yourself in a professional manner and maintain a professional appearance.

Compensation & Benefits

• Competitive base salary with performance-based bonuses.
• Comprehensive benefits package, including medical, dental, and vision insurance, 401(k) with company match, paid time off, and more.
• Opportunities for professional development and career growth.