Mortgage Credit Manager manages a group of mortgage credit supervisors and monitors application procedures to ensure assignments meet established processes/standards. Oversees analysis of current, new and renewed residential loans. Being a Mortgage Credit Manager provides recommendations for improvement to top management. Requires a bachelor's degree. Additionally, Mortgage Credit Manager typically reports to head of a unit/department. The Mortgage Credit Manager manages subordinate staff in the day-to-day performance of their jobs. True first level manager. Ensures that project/department milestones/goals are met and adhering to approved budgets. Has full authority for personnel actions. Extensive knowledge of department processes. To be a Mortgage Credit Manager typically requires 5 years experience in the related area as an individual contributor. 1 to 3 years supervisory experience may be required. (Copyright 2024 Salary.com)
PRIMARY OBJECTIVE OF POSITION
Collect and review loan documents to satisfy loan conditions, ensure completeness of mortgage loan documentation to satisfy all underwriting conditions and maintain contact with member throughout the processing period. May converse with Spanish speaking members throughout the mortgage loan process.
ESSENTIAL JOB FUNCTIONS
RELATIONSHIPS AND CONTACTS
Reports To: Mortgage Processing Manager
Contacts: Frequent contact with members, mortgage personnel, and third-party services.
EDUCATION
High School Diploma or GED.
EXPERIENCE
PHYSICAL REQUIREMENTS
Ability to work in a fast paced, fluid environment and be held to minimum production standards. Candidate must be able to sit for long periods of time. The position involves wrist/hand/fingers manipulation; movement is inherent in the job as well as restriction to workspace for prolonged periods. Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.
MENTAL
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must have a strong ability to read and carry out various written instructions and follow oral instructions. Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
EQUIPMENT SKILLS
Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.
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