Loan Origination Manager presso Citizens and Northern Bank

Who are we?

For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.

From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.

Who are you?

You’re a strategic thinker, a supportive leader, and someone who thrives in a fast-paced mortgage environment. At C&N, we’re seeking a Loan Origination Manager to lead our Loan Processing Center and ensure an exceptional client experience from application through closing. In this role, you’ll oversee daily processing and underwriting functions, refine workflows, and guide a talented team toward excellence, accuracy, and continuous improvement.

If you have a passion for developing people, strengthening processes, and delivering high-quality mortgage origination outcomes, this leadership opportunity may be the perfect next step in your career.

You will be responsible for:

1. Operational Leadership: Oversee daily functions within the Loan Processing Center, ensuring efficient workflows, timely loan processing, and adherence to company and investor guidelines.

2. Quality & Compliance: Review, analyze, and maintain underwriting and processing quality for both portfolio and secondary-market loans. Ensure compliance with regulatory requirements and investor guidelines.

3. Underwriting Oversight: Maintain underwriting expertise, approve portfolio loans, back up underwriters, train underwriting staff, and manage underwriting standards and processes.

4. Process Improvement: Maximize workflow efficiencies, refine procedures, and identify opportunities to enhance the client experience while maintaining operational accuracy.

5. Team Coaching & Development: Lead, mentor, and empower Loan Center employees through ongoing feedback, quarterly goal setting, individual meetings, and timely performance evaluations. Provide training, guidance, and growth opportunities.

6. Loan Pipeline Management: Oversee processing and closing functions, verify documentation, monitor loan conditions, and support accurate and compliant loan origination.

7. Industry Awareness: Stay current on regulatory changes, investor updates, industry trends, and financial technology developments. Share insights and recommendations with the team.

8. Collaboration & Communication: Partner with the Director of Residential Mortgage Lending and internal stakeholders to support product development, workflow enhancements, and overall lending success.

9. Customer Experience: Model and ensure delivery of C&N’s Customer Service Standards across all interactions, both internally and with clients.

Requirements:

Education & Experience – You will need a Bachelor’s Degree AND 4–6 years of previous related experience and/or training OR an equivalent combination of education and experience.

Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Critical thinking and decision-making.

• Strong communication and active listening.

• Leadership and team management.

• Mortgage operations and underwriting knowledge.

• Ability to mentor, coach, and inspire others.

Key Competencies – The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include:

• Ensures Accountability: Takes ownership, follows through on commitments, and holds self and others responsible for results.
• Business Insight: Understands business operations, market trends, and applies knowledge to drive results.
• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Customer Focus: Delivers tailored solutions, exceeds expectations, and builds strong customer relationships.
• Drives Engagement: Aligns work with motivators, empowers individuals, values contributions, invites input, and connects goals to organizational success.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

Comprehensive Benefits for Your Success:

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health & Wellness:
• Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer-paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.