This position oversees Mortgage Loan Processing and Mortgage Operations to ensure that new mortgage loan applications are originated, processed and completed according to established policies/procedures and all investor/agency/federal guidelines.
Primary Duties:
- Monitor origination and processing of all mortgage loan applications to ensure compliance with all Bell policies/procedures and all investor/agency/federal guidelines.
- Provide operational support (includes training) to existing and newly hired production and support staff. Work with staff in problem solving and recommend ways to help prevent issues.
- Supervise and monitor all bond loans to ensure compliance with agency guidelines. This includes but not limited to registration, compliance and HUD reviews.
- Recommend procedure changes and improvements for the loan processing function.
- Authorize payments on invoices received.
- Maintain up to date knowledge of all processing guidelines, Bell policies and procedures and investor/agency/federal guidelines.
- Provide prompt and courteous customer service to all internal/external clients.
- Monitor and record all paid time off for processing as well as maintain the online time tracking system. Authorize payroll for processors.
- Respond to any and all audit exceptions pertaining to the loan processing function.
- Resolve “on hold” and “pend” issues as needed to ensure timely purchase of loan files.
- Back up staff with whatever help they need.
- Work with other department supervisors to ensure/maintain effective communication.
- Work with loan officers and processing staff in problem solving. Help them to prevent issues.
- Hold monthly/quarterly processing staff meetings to review memos, problems, changes, etc.
- Work to maintain 100% valued employee retention and maximum output and efficiencies with processing staff.
- Report to senior management any issues with polices/procedure. Make recommendations for change to improve efficiencies.
- Communicate procedural changes to processing staff and ensure that they have the tools and training needed to comply.
- Supervise a team of processors. This includes but is not limited to performance reviews, counseling, coaching, motivating, training, mentoring and monitoring work flow.
- Work closely with underwriting and closing managers to resolve any processing issues that may arise.
- Participate in various projects and feedback sessions to positively impact workflow, policies/procedures and system enhancements.
- Attend all regulatory, industry and Bell required meetings and trainings.
- Provide a positive work environment to invite staff participation and contribution to the development of a high level of service quality. Ability to coach, mentor and raise the level of talent throughout the department.
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Job Skills Required:
- Minimum three years of supervisory experience in mortgage operations.
- Thorough understanding in all areas of mortgage process (origination, processing, underwriting, closing, post-closing).
- Thorough understanding of all agency/investor/federal mortgage banking guidelines.
- Proficient computer and typing skills.
- Ability to effectively manage/monitor the performance of others and provide effective feedback.
- Capacity to adapt to ever changing processes, requirements, guidelines and environment.
- Excellent communication skills to be able to effectively train and develop others.
- Excellent customer service skills.
- Ability to successfully manage many tasks and deadlines as well as willingness to set and enforce deadlines for others.
- Ability to work under pressure and maintain a high level of professionalism.
- Demonstrate a “can do” attitude.
- Ability to travel as needed.
Top Skills
What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others.
At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about.
Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states.
Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
