Hybrid Mortgage Lending Senior Underwriter & Operations Manager bei Old Dominion National Bank

Description

Summary:

The Mortgage Lending Senior Underwriter and Operations Manager (MLOM) is responsible for managing the full scope of operations for mortgage and home equity processing, underwriting, closing and post-closing. The incumbent will have the responsibility of leading the Mortgage Lending Operations Team in delivering outstanding customer experience while ensuring that production and credit risk standards are met.

MLOM has responsibility for underwriting secondary market loans, portfolio mortgage loans and HELOCs.

The MLOM will be the primary liaison with other areas of the bank; to include but not limited to Loan Servicing, Compliance, Commercial Lending and Retail Banking.

Essential Functions:

· Underwrites secondary market and portfolio mortgage loans, secondary underwriter for HELOCs.

· Supervises all aspects of the day-to-day mortgage operations.

· Provides technical training, development and coaching for operations staff on a consistent and ongoing basis.

· Communicates product guidelines updates, compliance requirements and operational changes to team in a timely manner.

· Works with teams to ensure that all functions, processes and procedures comply with state and federal laws along with investor and agency guidelines.

· Operates the FHLB Grant Programs for the bank and other third parties accessing the programs.

· Administers third party relationships, including but not limited to investors, USDA, HUD, VA, appraisal management and title companies.

· Manages the Lender Solutions relationship related to the secondary, closing, post-closing and compliance services provided to the bank.

· Oversee all aspects of pre-fund and post-close quality control reviews, responses and corrective action.

· Supervises internal/external audits and exams which include direct interaction with auditors, delivery of loan files and documentation, responses and action items.

· Acts as a back-up to processing as needed based on schedules, staffing and production levels.

Requirements

Competency:

· Strong analytical skills

· Excellent interpersonal and customer service skills.

· Professional, courteous and friendly demeanor.

· Strong organizational and time management skills.

· Proficient in with Excel, Word and Loan Origination Software programs.

Supervisory Responsibilities:

Management of the Consumer Lending Operations team.

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands:

This position requires sitting at a computer station for extended periods of time.

Position Type/Expected Hours of Work:

This is a full-time in-office position with some flexibility with schedule as agreed upon by the employee’s supervisor.

Travel:

Little to no travel is expected for this position.

Education and Experience:

· High School diploma, college degree preferred.

· 10+ years prior mortgage experience to include underwriting, processing and staff supervision

· Knowledge of Encompass (LOS) strongly preferred.

Work Authorization/ Security Clearance:

Must be eligible to work in the United States.

AAP/EEO Statement:

Old Dominion National Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, ODNB complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

ODNB expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of ODNB’s employees to perform their job duties may result in discipline up to and including discharge.

Other duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.