Location: Winter Haven,FL, USA
As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.
SUMMARY/OBJECTIVES
The Mortgage Sales Manager is a producing sales manager who is also responsible for mortgage loan production for a specific geographic area. They direct and manage the sales activities of a region or group of residential Mortgage Loan Officers (8 or more), ensuring profitability, market share growth, and a high level of customer service. This person will recruit, hire, train, and manage a team of new and existing Mortgage Loan Officers to maximize mortgage loan sales efforts. They are also responsible for ensuring their team is producing high quality loans which meet South State Bank guidelines. Strong sales and organizational skills are essential. This position Ensures compliance with South State Bank Code of Conduct and other operating procedures.
ESSENTIAL FUNCTIONS
* Recruits, hires, trains, and manages Mortgage Loan Officers to meet their assigned growth plan.
* Manages employees, setting goals and objectives; trains, motivates, mentors and disciplines staff; assesses performance and makes salary recommendations.
* Assigns work to subordinate personnel, providing instruction and answering questions; coordinates the scheduling and completion of work by determining operational priorities and resolving workload problems; reviews work for accuracy and completeness; evaluates work techniques and methods for conformance to established standards.
* Analyzes pertinent financial and credit data and recommends loans for approval or rejection.
* Implements department operating policies and procedures and monitors for compliance.
* Manages the mortgage referral program.
* Partners with and is a referral resource for the Retail Bank and Wealth Management.
* Counsels with and assists in the training and development of all subordinates.
* Receives loan applications from loan officers and reviews documents received to ensure all necessary forms have been completed prior to starting loan packaging procedures.
* Supervises loan origination in assigned region assuring compliance with all related laws and regulations.
* Provides on-the-job training to new employees; explains methods and procedures.
* Establishes and maintains open communication with Operations.
* Actively participates in the local real estate community by attending real estate board sponsored events and functions.
* Conducts presentations at real estate office sales meetings, homebuyer's seminars, and financing workshops.
* Keeps informed of trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both portfolio and investor mortgages.
* Produces annual mortgage loan volume of $12 million.
* Ensures compliance with South State Bank Code of Conduct and other operating policies and procedures. Completes compliance training, adheres to all anti-money laundering guidelines and procedures and all regulatory requirements
* Accepts and performs other duties as determined to be essential.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
COMPETENCIES
* Coaching - Works to improve and reinforce performance of others. Facilitates their skill development by providing clear, behaviorally specific performance feedback and making or eliciting specific suggestions for improvement in a manner that builds confidence and self-esteem. Takes time to assist and provides specific, detailed follow-up.
* Collaborative Leadership - Considers the organization when making decisions. Separates one's own interest from organizational interest to make the best possible judgments for the company. Promotes and generates cooperation among one's peers in leadership to achieve a collective outcome.
* Delegation - Utilizes direct reports effectively by allocating decision-making and other responsibilities to the appropriate person. Encourages others to set own deadlines within the constraints of assignment and hold them accountable for meeting the deadline. Clearly communicates expectations or boundaries.
Qualifications, Education, and Certification Requirements
* Education: Bachelor's Degree in Business Administration, Finance, or related mortgage sales experience.
* Experience: 8 to 10 years' experience as a Mortgage Loan Officer with 3 to 5 years' experience managing mortgage loan sales along with a history of successful mortgage lender recruitment preferred; previous related experience in a financial institution preferred (local market). Must be team oriented and customer first driven with a history of managing a team of 5 or more high performing salespeople to successful achievement of goals. Previous portfolio lending experience preferred. A full understanding of secondary market underwriting and the ability to understand and execute on P&L issues required.
* Certifications/Specific Knowledge: Knowledge of FNMA, FHLMC, FHA/VA/USDA service guidelines preferred.
TRAINING REQUIREMENTS/CLASSES
Required annual compliance training.
PHYSICAL DEMANDS
Must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents, reports, and identify customers.
WORK ENVIRONMENT
Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered.
TRAVEL
Travel may be required to come to meetings as needed.