Director - Mortgage Operations

Job Description

Job Description

ABOUT THE ROLE

CountryPlace Mortgage is a nationwide personal property and mortgage lender. We are looking for a Director – Mortgage Operations to join our originations team in our Plano, TX office. As a Director – Mortgage Operations you will be responsible for managing Mortgage Underwriting, Mortgage Loan Processing and Construction Administration departments. The Director – Mortgage Operations thinks creatively to improve processes and practices used throughout the Mortgage Operations department. They are responsible for providing training for and ensuring quality from their managed departments.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Comprehensive understanding of investor requirements relating to Manufactured Housing.
• Use independent discretion and judgment to make final decision on acceptance or decline of loan request.
• Collaborate with the compliance team to maintain compliance policies in accordance with regulations
• Strong ability to create and maintain strong relationships with dealers
• Manage review of title commitment, appraisal, survey and validate required disclosures meet investor guidelines and standards
• Manage turnaround times for departments ensuring that excellent customer service is achieved
• Generate innovative ideas to enhance the quality and comprehensibility of procedures.
• Maintain a company policy and procedures manual
• Train Mortgage Underwriters, Mortgage Loan Processors, and Construction Administrators ensuring that teams have proper understanding of programs and that leaders are developed
• Facilitate pipeline calls with Loan Officers and Mortgage Loan Processors
• Able to effectively problem-solve complex issues with rural land surveys, plats, and taxes
• Accountable for construction-to-permanent mortgage loans from the date of closing, through the building period to final funding, modification and insuring of the loan
• Evaluate appraisals, title commitments, state & local requirements, and loan terms to establish contractor conditions lists for draws and final funding
• Review conditions for relevance & accuracy and communicate results along with corrective actions
• Monitor construction interest overrun, draw limits, holdback requirements, rate expirations, and other pieces of construction lending
• Order and approve loan modifications, coordinate signings and have agreements properly recorded
• Ensure that all construction loans are compliant, finalized, and are sale-ready, adhering to investor guidelines
• Manage outstanding home title issues to ensure prompt resolution and compliance with property title elimination for manufactured homes
• Monitor and manage construction timelines to ensure compliance with established completion standards
• Perform other duties and special projects as assigned

POSITION REQUIREMENTS, CAPABILITIES & SKILLS

• Superior analytical skills
• Ability to identify and resolve problems in a timely manner
• Strong organization and time management skills with the ability to multi-task
• Effective decision-making, customer service and problem-solving skills
• Ability to strategize and prioritize efforts to achieve goals
• Strong research and critical thinking skills
• Strong interpersonal skills and ability to work well with a wide range of people
• Ability to read and interpret published rules and regulations
• Positive & professional demeanor
• Self-starter with strong organizational skills
• Highly organized, consistent, and solutions focused
• Employ a strong sense of urgency and ownership in all activities
• Self-motivated with the ability to work independently
• Ability to work effectively in a team environment
• Proven and effective leadership skills
• Strong ability to present ideas, explain programs, and give presentations

MINIMUM QUALIFICATIONS

• BA/BS degree required
• 5+ Years Management Experience
• 5+ Years Underwriting Experience
• 5+ Years Construction Lending Administration Experience
• 2+ Years Manufactured Housing Lending Experience (preferred)